Industry funding
Farming is on the restricted list for the bank-style tier. That is not the end of the conversation, but you should know it before you spend time on an application.
✓ Checking what you qualify for does not affect your credit score.
Updated October 13, 2026 · Merchant Fund Express
Our eligible industries page lists farming among the categories that are typically restricted on the bank-style tier (the line of credit and term loan). Crop and livestock production carries weather, commodity-price and harvest-timing risk that those programs are not built for.
Restricted on one tier is not the same as restricted everywhere, but we will not promise a revenue-based offer to a farm either. Whether a file gets reviewed depends on the exact classification and how the revenue arrives.
| Business type | How it usually reads |
|---|---|
| Landscaping and landscape services | Commonly eligible |
| Nurseries and garden centers that sell retail | Commonly eligible; see nursery and garden funding |
| Food manufacturing and processing | Most manufacturing is commonly eligible |
| Grocery, meat and fish markets | Commonly eligible |
| Crop and livestock production | Typically restricted on the bank-style tier |
If your operation does both, such as a farm with a retail market and a processing kitchen, the classification of the applying business matters. Tell us how revenue splits.
Most of the products described on this site are repaid daily or weekly from ongoing deposits. A grain or produce operation that receives most of its year in a few harvest-time checks does not fit that rhythm. Even when deposits are large, months with almost nothing coming in make a fixed weekly payment risky for the business.
A family vegetable farm also runs a farm stand and a roadside market as a separate company. The market takes $52,000 a month in card sales from May to October and $14,000 a month the rest of the year.
| Entity | Revenue pattern | How it reads |
|---|---|---|
| Farm operation | Harvest checks, restricted category | Look at ag-specific lenders |
| Market company | Retail card sales, steady weekly deposits | Can be reviewed on its own statements |
| Payment sizing | Based on the $14,000 winter months | Keeps the payment survivable |
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
These are built for harvest-cycle repayment in a way daily or weekly remittance products are not.
If your business is ag-adjacent (landscaping, a nursery, a market, a processor), check the published requirements and apply for a same-day answer. If it is crop or livestock production, start with the ag lenders above. We would rather tell you that now than after you send statements.
Farming is typically restricted on the bank-style tier, and we do not promise revenue-based offers to farms. Ag-related businesses such as landscaping, nurseries, markets and processors are commonly eligible.
Weather, commodity prices and harvest timing make revenue lumpy and hard to fit daily or weekly repayment.
If it is a separate business with its own account and steady sales, it can be reviewed on its own statements.
USDA Farm Service Agency loans, Farm Credit lenders, equipment dealer financing and banks with ag lending desks are built for harvest-cycle repayment.
No. Checking what you qualify for starts with a soft credit pull.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
