Funding for Agriculture
Farming spends in the spring and earns in the fall. Lúmen funds growers and ag operations through the season — seed, equipment, and labor now, repaid after harvest.
What agriculture businesses are up against
Season-long outlay
Seed, fertilizer, fuel, and labor all get paid for months before a single crop is sold.
Equipment demands
Tractors, harvesters, and irrigation are major investments essential to every season's output.
Weather risk
A bad stretch of weather can delay revenue and squeeze cash flow with no warning.
Harvest-timed revenue
Income arrives in a concentrated window, making a steady monthly payment a poor fit.
Funding solutions for Agriculture
These products fit how agriculture businesses actually operate. Explore each in detail.
How we help agriculture
Common use cases
- Fund seed, fertilizer, and inputs for the season
- Finance tractors, harvesters, and irrigation
- Cover seasonal labor through harvest
- Bridge to revenue after a weather delay
“A seasonal line covered our inputs and labor straight through planting. We repaid after harvest, exactly when the money actually came in.”
Do you qualify? Most agriculture businesses with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score can qualify. Checking your offers takes about five minutes and won't affect your credit score.
Fund your agriculture business
Tell us your goal and a funding advisor will match you to the right product — usually within minutes. Apply with no impact to your credit score.