How do farms and agricultural businesses fund the gap to harvest?

Farming pays for inputs months before harvest or sale income arrives; a facility structured around the seasonal cycle funds seed, feed and kit until the money comes in. Seed, feed, fertiliser and labour are paid months before a crop is harvested or livestock is sold. Income arrives in concentrated bursts, leaving long stretches of outgoings with little coming in.

How do farms and agricultural businesses fund

2 min read

Inputs firstIncome at harvest

Seasonal cycleMonths apart

Match repaymentTo the crop

The agricultural cash cycle

Seed, feed, fertiliser and labour are paid months before a crop is harvested or livestock is sold. Income arrives in concentrated bursts, leaving long stretches of outgoings with little coming in.

Fund the gap

A seasonal facility or working-capital line covers inputs through the growing season and is repaid when the harvest or sale income lands. Plan the peaks on the seasonal cash buffer calculator.

Finance the machinery too

Asset finance spreads the cost of tractors and equipment over their working life rather than demanding a lump sum at the worst point in the cycle.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online when the numbers work.

Frequently asked questions

Can I repay a farm loan when the harvest is sold?

A facility structured around the agricultural cycle lets you repay in step with income — bridging the growing season and clearing when the crop or livestock is sold.

Is asset finance suitable for farm machinery?

Yes. Spreading the cost of tractors, harvesters and equipment over their working life avoids a large cash outflow at the very time the growing cycle is draining cash.