Ontario Farm Loans

Ontario Agricultural Financing

All agricultural corporations and businesses have all kinds of different needs in order for them to run their farm profitably. These financial needs of businesses in the agricultural sector can be brought about as a result of;
• High cost of basic farming equipment such as machinery and farm tools;
• Recurring costs such as fertilizers and costs associated with labour;
• Changing weather patterns – in some cases, extreme weather conditions like the ones that we experience in Ontario, Canada that causes destruction of crops;
• Technology – keeping up with technological requirements in agriculture can be quite costly;
• Start-up capital;
• Initial farm land purchase costs.
All these factors can affect your profit margins. This article aims to guide and give you an overview of the different financing options available to you and how to secure Ontario farm loans to boost your profit margins

Why You Should Look Into Agricultural Financing

There are great benefits in securing Ontario farm loans for your business. Some of these important benefits are as follows:

  • Different Types of Loans to Service Different Needs
    Loans available to farmers come in different types depending on the type of farm, area they live and size of the farm. Many lenders are prepared to advance loans to farmers to help with ongoing costs and operating expenses, purchase new land, construct new buildings or purchase new farming equipment.
  • Low-Cost Agricultural Loans
    Farmers and ranchers have various needs that many lenders can help them with. There are all kinds of different lenders in Ontario that offer fixed interest rates and competitive loans. Depending on the type and amount of loan a farmer is applying for the interest rates on agricultural loans can be low cost and easy to access. There are lenders in Ontario who just specialize in these kinds of loans. These are often the best lenders to get a mortgage from because they know and understand your business. Speak to your Expert Mortgage broker today to find out more.
  •  Provide Funding for Rebuilding and Renovation
    Properties of farmers and ranchers can suffer damage as a result of the elements and even natural disasters. This can set them back financially. Having access to an emergency loans to help them recover, make repairs and continue doing business is often very helpfull. These funds can also be used to purchase new equipment if necessary.
  • Provide Start-Up Funds for Beginner Farmers and Ranchers
    starting any new business is not easy, especially a farm or business in the agricultural sector. Some lenders will offer loans for people who are just getting into the agriculture business. Such beginners are often faced with costly requirements such as initial land purchase costs, construction costs and livestock and equipment costs. As long as a borrower qualifies for a line of credit or mortgage, securing agricultural financing in terms of Ontario farm loans should not be that difficult.
    Agricultural financing has helped many farmers, not only in Ontario but all over Canada. To find out which lenders specialize in farms and agricultural loans and mortgages, call Expert Mortgage today


  • “I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off or back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.”

  • “I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now Expert Mortgage has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.”

    M.D, Mississauga, ON
  • “The bank would not lend money on our farm unless we showed them financial statements. Since my husband passed away, my son and I were struggling to keep the farm afloat. We just needed more time. The third mortgage you got us was the miracle we needed. You believed in us and we are so grateful. Thank you.”

    S.E. Orono, ON
  • “My pig farm always made good profit but last year was brutal for the whole industry. I fell behind on my mortgage. I showed FCC that my loss was just a temporary blip and asked them to give me some leeway but they started a foreclosure anyway. Thanks for getting me that private loan to buy me some time until I’m profitable again.”

    K.O., Hawkesbury, ON
  • “My ex-wife’s lawyer gave me 30 days to buy out her half of our house or have it put up for sale. I had no job and I was in bankruptcy. My bank manager laughed at me. I thought it was hopeless until I saw your flyer. I don’t know how you qualified me for the mortgage. You’re a miracle worker. Thank you!”

    J.R. Burlington, ON
  • “We were 6 months behind on our mortgage and the Sheriff was coming in 5 days to lock us out of our home. Every other mortgage broker said NO! I can’t believe you were able to get us a second mortgage that fast. You saved our home and I will refer everyone I know to you.”

    C.C., Oshawa, ON
  • “The bank refused to value my property based on all 211 acres. They said that their ‘rules’ limited it to 5 acres. Personally, I think that’s biased against farmers. I didn’t know that you had lenders who would value my property on all the acres. I finally got a large enough loan to tie all my debt into one payment. Thanks!”

    C.R., New Dundee, ON
  • “Every time I’d walk into a bank and say the word ‘farm’ the suit on the other side of the desk would look at me like I was from another planet! They had one agricultural ‘specialist’ for the area that was not much better. Then I went to 4 mortgage brokers before I stumbled on your company. Your rates were lower than the bank.”

    M.D., Bradford, ON
  • “Our credit was destroyed after we had a bad year. We needed to expand our facility. I explained to the bank that the expansion would make us profitable. I proved it on paper. They still declined us. I never heard of your ‘no questions asked’ private loans but you gave me $500,000 with no paperwork. That was a Godsend. My wife and I appreciate it from the bottom of our hearts and we won’t let you down.”

    R.Q., Woodville, ON
  • “Once again, a big thank you for arranging our new mortgage and being able to arrange for additional funds on closing. Matthew has worked hard for me over the last few years… I have a very high level of trust in Matthew and Expert Mortgage, and will surely recommend you to anyone I know who is in need. Thank You.”

    M.Z. Brantford, ON