A farm spends in spring and gets paid in fall. We look at that long loop and how to size short-term capital against inputs and equipment without borrowing more than the gap.
Apply Now →Amarillo sits in the Llano Estacado region, the flat high plains of the Texas Panhandle, and is the Panhandle's most populous city at 200,393 residents in the 2020 census. Farms around a regional hub like this buy, plant, tend and harvest on a calendar that does not care about the bank account. Costs start months before the first bushel or bale is sold.
Each item is due earlier than the revenue it supports. Add the risk of weather and the price at the time of sale, and a farm can be solid on paper while short of cash in July.
An operator expects to harvest in about five months. Inputs and fuel through the growing season total $85,000, a planter repair costs $18,000, and loan and rent payments add another $30,000. That is $133,000 of spending before the first sale. With $70,000 on hand, the gap is $63,000. Notice that the gap is driven by calendar, not by whether the crop is likely to be good. None of this describes our terms.
| Question | If the answer is yes |
|---|---|
| Is the machine needed before harvest? | The purchase cannot wait for crop income; look at equipment financing |
| Is the cost a repair, not a replacement? | A smaller, faster amount may be the better fit |
| Does the equipment pay back across several seasons? | Match the repayment horizon to its useful life, not to one harvest |
| Is the real problem carrying costs? | Use working capital and size it to the gap |
Funding runs from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours after approval. The application takes about five minutes and starts with a soft credit pull. Sole proprietors can apply, which fits many family farms. We do not promise funding for any specific farm, and each decision depends on the whole business. Farms and ranches often share suppliers and equipment dealers, so you may also want to read how livestock operations handle the sale-date gap.
Inputs, fuel and labor are paid months before the crop is sold, so spending runs ahead of revenue.
Yes. Sole proprietors can apply, and the application is about five minutes.
Total the costs between now and expected sale proceeds, subtract cash on hand, and ask for that gap plus a modest cushion.
No. Equipment is a defined purchase. Working capital carries operating costs. Pick the one that matches your actual need.
In as little as 24 hours after approval. Amounts run from $25,000 to $5,000,000.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
