Flexible farm lending built for Ontario fields.
Keep your farm operations nimble with financing structures that optimize your upfront spring costs, or structured term loans to finance long-term acreage expansions and new machinery.
Monthly plans starting at $5.00- Waive fees on Flex plan with $5k balance
Trusted by 65K+ members
Farm loans from people who understand farming
Farming has its own rhythm. Whether you're covering seasonal costs, upgrading equipment, or balancing cash flow through harvest, we build loans that fit the way you farm. Come talk to locals who know the land and are in your corner. Here's what we offer:
Loan optionsSpecialized financing for every farm need
Agricultural packages
Operating Lines of Credit to smooth out cash flow gaps during off-seasons.- Dedicated funding to handle expenses related to planting and harvesting crops.
- Equipment and vehicle financing for tractors, tillage gear, harvesting machinery, and more.
- Specialized loans for purchasing livestock or securing dairy, poultry, and egg quotas.
Farm knowledgeExperienced agricultural lenders
We know farming
- You work directly with lenders who understand the agricultural sector, rural realities, and the challenges of running a farm operation—meaning less time explaining your business model and more time getting practical financial support.
Family planningLong-term support and services
Access to wider family and business services
- Farm mortgages and expansion financing for purchasing land, building, or renovating.
- Estate and succession planning to ensure a smooth transition of farm assets to the next generation while managing tax implications.
- Retirement and investment counselling alongside certified financial planners to secure your family's future.
Seasonal vs monthlyFlexible repayment schedules
Repayments built around harvest cycles
- Because farm revenue is often seasonal rather than strictly monthly, YNCU structures loans with cash flow in mind, offering flexible payment schedules (such as monthly, quarterly, semi-annual, or annual payments) and long-term amortizations (up to 25 years for mortgages) to match when your harvest or sales actually come in.
Lending built for real-world farming
We’ve experts in farm lending and have streamlined our financing to give you more flexibility, access to capital, less red tape, and faster answers. Speak to a lending specialist.
Flexible payment timelines
We align your loan payment dates with your actual cash flow milestones. This gives you custom, flexible terms built around the natural seasonal cycles of agricultural and commercial operations.
Government program management
We take the hassle out of managing government-backed accounts like AgriInvest. We'll make sure your files are managed correctly so you'll never miss out on matching federal or provincial contributions that protect your revenue.
Fast, locally made decisions
Skip weeks of corporate committee red tape. Our credit decisions are made locally by people who understand your market, you get the fast answers you need to lock in early seed discounts or win an equipment auction.
Are YNCU experts in farm loans?
Commonly asked questions
Yes, YNCU (Your Neighbourhood Credit Union) specializes in agricultural banking and farm financing.
YNCU features dedicated agricultural lenders who understand the unique financial rhythms of farming, offering tailored products such as:
- Operating lines of credit for daily and seasonal expenses
- Crop input loans for planting and harvesting cycles
- Equipment and vehicle financing for tractors and machinery
- Quota financing (dairy, poultry, eggs) and seed livestock loans
- Tile drainage loans and farm mortgages
An AgriInvest account is a specialized risk-management tool backed by the federal and provincial governments. You deposit a percentage of your Allowable Net Sales (ANS) into the account annually, and the government matches your contribution dollar-for-dollar. The funds remain fully liquid, allowing you to withdraw them anytime to mitigate income declines or fund critical farm innovations.
Yes. We understand that weather and global markets dictate your income, not a calendar. Our local agricultural relationship managers have the underwriting flexibility to structure your payments around your actual marketing windows, allowing for adjustments when unexpected environmental factors delay your yield.
Generally, we will review your last 2 to 3 years of accountant-prepared financial statements (or T1 General tax filings with Form T2042 Statement of Farming Activities), current crop or livestock inventory summaries, and details on any existing machinery equity or land titles you hold..
Do your banking from the field on your phone
Easily manage your money, check balances, move money and pay bills.
Download our mobile banking app.
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1 The YNCU New Client Payroll Offer (the “Offer”) is available to new Clients who(se): (a) Client Number was created between May 1, 2024 and October 31, 2026; (b) open a YNCU Chequing Account as the Primary Account Holder within 60 days of the date their Client Number was created; and (c) set up payroll direct deposits within 60 days of the date their Chequing Account was opened. A cash Bonus of $250 will be paid to the new Client’s YNCU Chequing Account if the Client switches their eligible automated and recurring payroll direct deposits to their new YNCU Chequing Account, provided that: (i) they deposit the full amount of their payroll direct deposits; (ii) payroll direct deposits total a minimum of $200 on a monthly basis; (iii) the first eligible payroll direct deposit is received in their Account within 60 days of successfully opening the Chequing Account; and (iv) their subsequent eligible payroll direct deposits continue for at least 2 consecutive months. The Bonus will be paid to the Client’s YNCU Chequing Account in the subsequent month following the satisfaction of the Offer conditions. Offer can’t be combined with any other Chequing cash bonus Offers and is limited to one (1) Bonus per Client. By accepting any Offer, you agree to the terms and conditions of this Offer. Full Offer Terms and Conditions, including definitions of any capitalized terms, are available here. Offer may be changed, extended or cancelled without notice.
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6 YNCU will waive the ABM Withdrawal Fee and Global ATM Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global ATM Alliance machine with your YNCU Client Card. Some exclusions apply; see our Fee Schedule for details. The current Fee Schedule can be found at yncu.ca/feeschedule.
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