Equity-Based Farm & Agricultural Financing
Farm Mortgages in Canada for Owners the Banks Turned Away
If your bank declined your farm financing despite real equity in your land, you still have options. Our farm mortgages are based on the equity in your agricultural property, not on income, tax returns, or credit score. We help Canadian farmers access working capital, renew maturing loans, and complete succession plans using the value already sitting in their land and buildings. Explore related solutions like second mortgages, home equity loans, and mortgage refinancing.
Prefer to talk it through? Call 1-855-668-3074
No income or credit requirements. Approvals in as fast as 24 hours.
What is a farm mortgage and how does equity-based farm financing work?
A farm mortgage is a loan secured against agricultural property, including farmland, barns, equipment buildings, and the farmhouse. Equity-based farm financing looks first at the value of that property and the equity you hold in it, rather than relying only on recent tax returns or credit history. For a farmer facing a tough season, a maturing loan, or a tightened bank policy, this approach can unlock working capital while keeping the operation intact and ownership in the family.
$603.8B
Total market value of Canadian farmland and buildings
$420.9B
Value of owned farmland, buildings and fixed equipment
189,874
Census farms operating across Canada
22.7%
Rise in farm land and building values since 2016
Why farmers choose equity-based farm mortgages
Farming income is rarely a straight line. A single bad season, a drought year, rising input costs, or a large capital purchase can distort the numbers a bank sees on paper, even when the operation is fundamentally sound and the land carries significant equity. Traditional lenders underwrite from recent tax returns and debt-service ratios, so a strong balance sheet can still be declined over a weak snapshot.
Equity-based farm mortgages take a different starting point. The value of your farmland, your buildings, and the equity you have built becomes the foundation of the financing. That makes it possible to bridge a difficult stretch, renew a maturing mortgage, fund seasonal operating costs, or restructure debt without being forced to sell land or assets.
We work with Canadian farm and rural property owners who have been turned away elsewhere. The goal is simple: give you room to keep operating, protect family ownership, and move forward on your own terms. If debt has piled up, a debt consolidation approach or a refinance may also be worth reviewing.
How farm financing works, step by step
Tell us about your farm
Share the property type, location, what you currently owe, and what you need to accomplish. No lengthy financial package required to begin.
We assess the equity
We look at the value of your land and buildings and the equity you hold, rather than judging your operation on one difficult tax year.
Receive your options
We match you with rural and private lenders and explain the available terms in plain language, with no pressure and no jargon.
Full Cost of Credit Disclosure
Before you commit, you receive a written breakdown of the interest rate, the APR, the term, and every fee category that applies.
Funding
Once you approve the terms, the financing is arranged and funds are released. Approvals can happen in as fast as 24 hours.
Who qualifies for a farm mortgage
If you own agricultural property with equity, you may qualify even after a bank decline. We commonly help:
✓Cash-crop, grain, and oilseed operations facing a tough season
✓Dairy, beef, poultry, and other livestock farms
✓Owner-operators with a maturing mortgage and limited renewal options
✓Families planning a farm succession or transfer between generations
✓Farms carrying tax arrears, collections, or debt that needs restructuring
✓Rural and hobby-farm property owners declined by traditional lenders
How much can you borrow against your farm?
We can lend up to 80% of the appraised value of your farm, and the appraisal can include all of your acreage and outbuildings, not just the farmhouse. A full appraisal is required, and for some agricultural properties a more detailed narrative appraisal report is needed, which takes longer to complete and costs more than a standard residential appraisal. We tell you that up front. The example below is illustrative only.
| Appraised farm value (land, acreage, outbuildings) | $1,200,000 |
| Maximum loan-to-value | Up to 80% |
| Maximum lending at 80% | $960,000 |
| Existing first mortgage | $400,000 |
| Illustrative financing available | $560,000 |
This is a simplified illustration, not an offer or a guarantee of financing. Your available amount depends on the appraised value, the property, its location, and the lender. Every approval includes a full written Cost of Credit Disclosure before you commit. Try the equity calculator to estimate your own numbers.
What farmers use a farm mortgage for
Working capital for a tough season
Cover seed, feed, fuel, labour, and operating costs when yields or prices fall short, so the farm stays productive.
Mortgage renewal when the bank says no
Replace a maturing loan that a traditional lender will not renew, structured around equity and long-term viability.
Succession and family transfer
Fund a transition between generations and keep land and assets in the family without a forced sale.
Consolidating farm and operating debt
Roll scattered balances into one manageable position. See debt consolidation.
Tax arrears and CRA pressure
Address property tax arrears or CRA debts and liens before they escalate.
Equipment, expansion, and projects
Free up capital for buildings, machinery, or expansion while keeping your operating cash flow intact.
Traditional bank vs equity-based farm mortgage
| Consideration | Traditional bank | Equity-based farm mortgage |
|---|---|---|
| Qualification basis | Income, tax returns, credit score | Equity in your farm property |
| After a tough season | Often declined | Considered case by case |
| Maturing loan, limited renewal | Hard to renew | Renewal solutions available |
| Typical timeline | Weeks to months | Approvals in as fast as 24 hours |
| Documentation | Extensive financials | Streamlined and property-focused |
| Underlying goal | Fit a standardized lending box | Keep you operating and in ownership |
Responsible, transparent farm lending
We arrange farm mortgages up to a maximum of 80% of the appraised value of the property, and never beyond that. The appraisal can include all of your acreage and outbuildings, and for many agricultural properties a full or detailed narrative appraisal report is required. That can take longer and cost more than a standard residential appraisal, and we will tell you that at the start rather than after you are committed.
Before you commit to any farm mortgage, you receive a full written Cost of Credit Disclosure setting out the interest rate, the annual percentage rate (APR), the term, and every applicable fee category, including:
✓Lender fees
✓Broker fees
✓Legal fees
✓Appraisal and property assessment costs, including narrative reports where required
✓Any applicable administrative costs
You will always see these in writing before you sign. For background on your rights as a borrower, see the Financial Consumer Agency of Canada.
Farm financing in action
Cash flow challenges on a cash-crop farm
Cash-crop farm, rural Ontario
Situation: The owners had two difficult seasons from weather-related yield issues and rising operating costs. Their bank declined additional financing because of recent results, despite significant equity in the property.
What was arranged: An equity-based farm mortgage secured against the property, providing working capital while staying within acceptable rural lending guidelines.
Result: The farm stabilized operations, covered seasonal expenses, and stayed positioned for future production years.
Dairy farm mortgage renewal
Owner-operated dairy farm with quota
Situation: The farm faced a mortgage maturity during a period of increased borrowing and capital expenditures. Traditional renewal options were limited by debt-service concerns and recent expansion costs.
What was arranged: A farm mortgage structured around the property's equity and long-term viability rather than a short-term financial snapshot.
Result: The farm renewed its financing, kept ownership of the operation, and gained time for cash flow to recover after the expansion.
Farm equity for succession planning
Multi-generation family farm, Ontario
Situation: A farm family was transferring ownership interests between generations. Conventional financing did not adequately address the structure of the transaction or the family's goals.
What was arranged: Financing secured against the farm property to facilitate the transition while preserving long-term family ownership.
Result: The ownership transition completed successfully, and the next generation continued operating the farm without a forced sale of land or assets.
Where we arrange farm mortgages
We help farm and rural property owners across most of Canada, including Ontario, Manitoba, Saskatchewan, Alberta, British Columbia, New Brunswick, Nova Scotia, and Prince Edward Island.
Farm mortgage questions, answered
What is a farm mortgage?
A farm mortgage is a loan secured against agricultural property such as farmland, barns, equipment buildings, and the farmhouse. It lets you borrow against the value of that property.
Can I get a farm mortgage if my bank declined me?
Yes. We specialize in helping farm owners who were turned away by traditional lenders. Our approach is based on the equity in your property rather than only your recent income or credit.
Do you require income or credit for a farm mortgage?
No income or credit requirements apply to our equity-based farm mortgages. The equity in your agricultural property is the foundation of the financing.
What types of farms do you finance?
We work with cash-crop, grain and oilseed, dairy, beef, poultry, and mixed operations, as well as rural and hobby-farm properties with equity.
How much can I borrow against my farm?
We can lend up to 80% of the appraised value of your farm, and the appraisal can include all of your acreage and outbuildings, not just the farmhouse. Your final amount depends on the property, its location, and the lender.
Do I need an appraisal for a farm mortgage?
Yes. A full appraisal is required, and for some agricultural properties a more detailed narrative appraisal report is needed. These reports take longer to complete and cost more than a standard residential appraisal, so we factor that into the timeline up front.
How fast can a farm mortgage be approved?
Approvals can happen in as fast as 24 hours, depending on the property and your situation. Where a narrative appraisal report is required, the appraisal step itself can add time. Funding follows once you approve the terms.
Can a farm mortgage help with succession planning?
Yes. Equity-based financing can fund a transfer between generations and keep land and assets in the family without a forced sale.
Will I have to sell land or assets?
The goal of equity-based farm financing is the opposite. It is designed to give you room to operate and protect ownership rather than force a sale.
Can I use a farm mortgage to pay tax arrears or CRA debt?
Yes. Many farm owners use equity to clear property tax arrears, CRA debts, or liens before they escalate. We can review your full picture.
What does a farm mortgage cost?
Costs vary by lender and situation. Before you commit, you receive a full written Cost of Credit Disclosure setting out the rate, the APR, the term, and every applicable fee category.
Which provinces do you serve for farm financing?
We serve Ontario, Manitoba, Saskatchewan, Alberta, British Columbia, New Brunswick, Nova Scotia, and Prince Edward Island.
Is this a long-term loan or a short-term solution?
Both are possible. Some farms use financing as a bridge through a difficult stretch, while others put a longer-term structure in place. We match the term to your goals.
Turned away by your bank? Your farm equity can still work for you.
Get a clear, no-pressure look at your options. No income or credit requirements, and approvals in as fast as 24 hours.
Get Approved NowOr contact us or call 1-855-668-3074.