The Capital Behind Ag Lending and Embedded Financing

Structured loan participation for ag lenders. Embedded participation financing for retailers and fintechs. 

Explore Ag Lending Capital Solutions Explore Embedded Financing

Lending built for your business. Powered by ours.

Agri-Access helps you offer more financing options without added risk or operational lift. Whether your goal is to grow, rebalance or reduce exposure, we support lending strategies that fit your portfolio and the customers you serve.

Choose the model that fits your goals:


How we work together


Connect


Start with an Agri-Access Relationship Manager who understands agriculture and ag lending. Select your state to connect with the Relationship Manager located in your region. 


Partner


Your Relationship Manager helps set up flexible, digital lending solutions built around your business and the farmers and producers you serve.


Grow


With the right financing at the right time, your lending portfolio grows stronger alongside the ag operations you support.  


Get started

Over 20 years, we’ve never taken your trust lightly

For more than two decades, we’ve partnered with lenders, retailers and fintechs to deliver digital-first financing built for agriculture. From community banks to national platforms, partners rely on Agri-Access for deep agricultural expertise, disciplined lending practices and the scale to support rural communities nationwide.

$5B+ in ag lending experience

We’ve supported more than 150 lenders – from community banks to national ag finance companies – with more than 7,500 loans closed nationwide. 

100% participation standard

You remain the lender of record. Most deals are structured as 100% participations, 
allowing for full relationship control and servicing income. 

150+ years of combined expertise

Our team includes experienced Relationship Managers, credit specialists and appraisers who know agriculture at every level.

70% automated decisions

With Scorecard underwriting driving more than 70% of credit decisions, borrowers get fast, consistent answers – often in as little as 48 hours – without adding back-office burden to your team. 

Built for agriculture

From row crop operations to agribusiness and specialized facilities, our lending programs reflect the depth of expertise producers rely on. 

Flexible, seasonally aligned structures

We understand ag production cycles and cash flow patterns. Our financing flexes to meet the operational realities of your borrowers. 


About us

FAQs

We support a wide range of ag financing needs, including real estate, equipment, input loans and leasing, with seasonal input financing available through embedded programs. Availability varies by program, so the best next step is to connect with a Relationship Manager.

We partner with ag lenders through structured loan participation and with agri-fintechs and ag retailers through embedded financing solutions. Together, we serve agriculture nationwide.

With loan participation, your borrower continues working with you. Agri-Access provides capital behind the scenes while you remain the lender of record and keep the relationship you’ve worked hard to build with your borrowers.

Embedded financing allows you to offer credit solutions at the point of sale under your brand. Agri-Access provides capital solutions and handles servicing in the background.

We serve partners across the U.S., with team members based in Alabama, Arizona, California, Idaho, Iowa, Minnesota, Vermont and Wisconsin. No matter your location, we’re ready to support your business.

It all starts with a Relationship Manager. Select your state to meet the Relationship Manager in your region, your personal guide to integrating solutions from Agri-Access.

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