By the farmers,for farmers
We understand agriculture — the inputs, the timing, the volatility. We don't just lend money; we partner with operators who know their land and have a plan to make it yield.
A note from our
founderGrowing up on the land, I learned early that farming isn't just a job — it's a legacy. But I also saw how traditional finance often fails the people who feed the world. Banks look at spreadsheets; we look at the dirt, the crop, and the operator.
COSA Lending was born from a simple idea: capital should move as fast as the season. We built this fund to serve the borrowers who are building the future of agriculture.
Jason Jaramillo, Founder &
Managing Partner
We don't operate like a bank — and that's intentional.
We're structured to move fast and fund deals that don't fit inside a box.
Asset-backed & purpose-driven
focused on agricultural and business lending
Conversation-led & hands-on
transparent and responsive
credit-score obsessed
confused by rural clients
form-letter and disconnected
slow-moving and unclear
What we do
COSA specializes in unique solutions
for clients who need: