Approved fast.Funded faster
Business-use only loans secured by land, crop proceeds, or other assets — built for speed, protection, and performance.
Millions
In-Loans Funded
72 Hrs
Average Time to Fund
100%
Secured Lending
Only 30% of farmers can get money when they need it.
A $170 billion gap that leaves fields unplanted, equipment broken, and futures on hold.
Traditional lenders take months, demand perfect credit, and don't understand seasons. We approve fast, fund faster, and treat you like a partner—not a credit score.
Only 30% of farmers can get money when they need it.
A $170 billion gap that leaves fields unplanted, equipment broken, and futures on hold.
Traditional lenders take months, demand perfect credit, and don't understand seasons. We approve fast, fund faster, and treat you like a partner—not a credit score.
Get Capital — Without the Bank Runaround
Three quick questions. Real answers in days — not months.
Capital You Can
Count On
No hidden terms. No slowdowns.
Just clear capital — when timing matters most.
Loan Type
Business-Use Only
Financing structured exclusively for operational, agricultural, or business-related purposes.
Interest Structure
Fixed Interest-Only, With Balloon at Harvest
Predictable monthly payments with a final balloon aligned to crop revenue.
Collateral
Land, crops, or lease rights
Accepted collateral includes land deeds, crop proceeds, and qualifying lease agreements.
Funding Speed
48 Hours to 5 days
Fast underwriting and rapid access to capital when timing matters most.
Typical Term
3 to 12 months
Short-term lending designed to match seasonal cycles and cash-flow needs.
Loan Range
$100,000 to $5,000,000
Flexible capital options for operations of all sizes - from small family farms to large producers.
From the Field
Real stories. Real people. Real results. From family farmers to rural entrepreneurs, our borrowers choose COSA because we show up when it counts.