Industry funding

Funding for Agriculture

You spend through the season and earn at harvest. Quartz structures funding around the growing cycle, so repayment lines up with revenue.

The challenges

What makes agriculture cash flow hard

We've funded enough agriculture businesses to know exactly where the pressure points are.

Front-loaded costs

Seed, fertilizer, fuel, and labor are spent up front, months before any crop sells.

Harvest-timed revenue

Income arrives in a concentrated window, making conventional monthly repayment a poor fit.

Equipment & weather risk

Costly machinery plus unpredictable weather make for capital needs that can't always be planned.

By the numbers

Agriculture at a glance

$1.5T
U.S. ag economy / yr
1 / yr
Primary revenue cycle
$2M
Equipment cap
“A line of credit covered seed and labor all spring, and we paid it down after harvest. The timing matched our cash flow exactly.”
Walt Jensen
Owner, Jensen Family Farms

Do you qualify?

Growers, ranchers, and ag operations with 6+ months of history, $15,000+ monthly revenue, and a 500+ credit score generally qualify.

Checking takes minutes and never affects your credit score.

Good to know

Frequently asked questions

It depends on the product — a merchant cash advance or invoice advance can fund the same or next business day, while larger loans are typically approved within 24–48 hours.

Our advisors match the product to your cash-flow pattern and goal. The three above are the most common fits for your industry, but you can compare every option on our services page.

A short application and three months of business bank statements. There's no hard credit check just to see your options.

Ready to fund your agriculture business?

Tell us what you need and a funding advisor will recommend the right product — at no cost and with no impact to your credit.