Agriculture Credit Solutions

Need help? Call, Book an Appointment or find an Account Manager, Small Business

Small Business › Credit › Agriculture Credit Solutions

Agriculture Credit Solutions

Comprehensive farm financing solutions

I’m interested in borrowing

Interested in Borrowing Less than $50,000 Between $50,000
and $150,000 More than $150,000

I’m interested in borrowing: Less than $50,000

Day-to-Day Credit Needs	Long-Term Credit Needs
Business Overdraft Protection¹ Protection against the unexpected Cover unexpected expenses and shortfalls in your Business Chequing Account up to your approved limit. Don't be caught short	Agriculture Term Loan¹ Purchase or upgrade equipment, facilities and other farm assets For businesses in the agricultural industry who require assistance financing equipment or other farm assets. Expand Agriculture Term Loan A flexible financing tool to help finance farm assets. Purchase new and used farm machinery and equipment Finance livestock, inventory and quota purchases Refinance existing loans Finance other agribusiness projects Choose from fixed or variable rates, with amortization up to 10 years, depending on the useful life of the asset Payments may be monthly, quarterly, semi-annually or annually, depending on your unique cash flow A 10% prepayment is permitted annually on fixed rate loans. Loans available in amounts of $10,000 and up Security will vary depending on the amount borrowed and the risk involved and may include business assets, farm property or liquid investments Apply today
Agriculture Operating Line¹ Access funds when you need them For farmers and agricultural businesses that require financing to help manage their cash flow. Expand Agriculture Operating Line A flexible financing tool that allows you to borrow the money you need when you need it, at competitive interest rates. Finance farm and farm-related purchases: Deal with seasonal fluctuations in cash flow Pay interest only on the amount you borrow, at competitive interest rates and fees Security will vary depending on the amount requested and the risk involved Operating lines available in amounts of $10,000 and higher Available in Canadian or U.S. dollars Apply today	Canadian Agricultural Loans Act¹ A flexible financing tool for farmers A federal government loan guarantee program designed to provide farmers and farmer co-operatives with financing for a variety of farm-related activities. Expand Canadian Agricultural Loans Act A federal government guaranteed loan program designed to provide farmers and farmer co-operatives with financing. The Canadian Agricultural Loans Act (CALA) Program accommodates a wide variety of financing needs. A CALA Loan can be used to: Purchase farm real estate, livestock (breeding herd), and farm equipment (including repairs) Construct farm buildings Purchase crop storage condominiums Consolidate debt (under special circumstances) Supplement your farm’s energy use with power from renewable sources Eligible applicants include: Existing full- or part-time farmers Beginning/start-up farmers Farmers taking over the family farm Agricultural co-operatives with a majority (50% plus 1) farmer membership Details Floating and/or fixed rate payments may be made on a monthly, quarterly, semi-annual or annual basis Usually the asset being financed is used as security for the loan Amounts 90%² of the purchase price may be financed up to a: Maximum $500,000³ per farmer, or Maximum $3,000,000 per cooperative Apply today
Business Line of Credit (unsecured)¹ Access funds when you need them For businesses with day-to-day working capital needs of between $10,000 and $50,000. A smart way to manage your operating costs	Canada Small Business Financing Act Loan¹ For starting out and expansion Loans are guaranteed by the Government of Canada (up to 85% of the amount borrowed) to assist with financing, expanding a business or modernizing your business. Find out if your qualify
TD Business Credit Card Easily manage your business expenses Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports. A convenient and valuable business tool	La Financière agricole du Québec (FADQ) Farm Financing Program¹ A financing tool for resident famers in Québec A loan program fully guaranteed by the FADQ and available to full- or part-time farmers in Québec. Expand La Financière agricole du Québec (FADQ) Farm Financing Program La Financière agricole du Québec (FADQ) Farm Financing Program is fully guaranteed by the FADQ and is available to full- or part-time farmers in Québec. Eligible loan purposes Purchase of farm property, equipment or other capital assets Meet cash flow needs Refinancing of existing debt Any other FADQ approved purpose Borrower eligibility Full- or part-time farmers in Québec who apply and qualify for the FADQ Farm Financing Program Eligible borrowers must be pre-qualified by FADQ Borrowers must present a Loan Certificate prior to application at TD The Loan Certificate expires within 90 calendar days of being issued Loan types Flexible payment options and interest only loans available Term Loan (Single or Multiple advances) or Temporary or Bridge Financing (Interest Only) Amounts and rates Minimum of $10,000 to a maximum of $5,000,000 is available under the program Competitive fixed and floating rate options are available Apply today

Day-to-Day Credit Needs

Long-Term Credit Needs

Business Overdraft Protection¹

Protection against the unexpected
Cover unexpected expenses and shortfalls in your Business Chequing Account up to your approved limit.

Don't be caught short

Agriculture Term Loan¹

Purchase or upgrade equipment, facilities and other farm assets
For businesses in the agricultural industry who require assistance financing equipment or other farm assets.

Expand Agriculture Term Loan

A flexible financing tool to help finance farm assets.

Purchase new and used farm machinery and equipment
Finance livestock, inventory and quota purchases
Refinance existing loans
Finance other agribusiness projects
Choose from fixed or variable rates, with amortization up to 10 years, depending on the useful life of the asset
Payments may be monthly, quarterly, semi-annually or annually, depending on your unique cash flow
A 10% prepayment is permitted annually on fixed rate loans.
Loans available in amounts of $10,000 and up
Security will vary depending on the amount borrowed and the risk involved and may include business assets, farm property or liquid investments

Agriculture Operating Line¹

Access funds when you need them
For farmers and agricultural businesses that require financing to help manage their cash flow.

Expand Agriculture Operating Line

A flexible financing tool that allows you to borrow the money you need when you need it, at competitive interest rates. Finance farm and farm-related purchases:

Deal with seasonal fluctuations in cash flow
Pay interest only on the amount you borrow, at competitive interest rates and fees
Security will vary depending on the amount requested and the risk involved
Operating lines available in amounts of $10,000 and higher
Available in Canadian or U.S. dollars

Canadian Agricultural Loans Act¹

A flexible financing tool for farmers
A federal government loan guarantee program designed to provide farmers and farmer co-operatives with financing for a variety of farm-related activities.

Expand Canadian Agricultural Loans Act

A federal government guaranteed loan program designed to provide farmers and farmer co-operatives with financing. The Canadian Agricultural Loans Act (CALA) Program accommodates a wide variety of financing needs.

A CALA Loan can be used to:

Purchase farm real estate, livestock (breeding herd), and farm equipment (including repairs)
Construct farm buildings
Purchase crop storage condominiums
Consolidate debt (under special circumstances)
Supplement your farm’s energy use with power from renewable sources

Eligible applicants include:

Existing full- or part-time farmers
Beginning/start-up farmers
Farmers taking over the family farm
Agricultural co-operatives with a majority (50% plus 1) farmer membership

Details

Floating and/or fixed rate payments may be made on a monthly, quarterly, semi-annual or annual basis
Usually the asset being financed is used as security for the loan

Amounts

90%² of the purchase price may be financed up to a:

Maximum $500,000³ per farmer, or
Maximum $3,000,000 per cooperative

Business Line of Credit (unsecured)¹

Access funds when you need them

For businesses with day-to-day working capital needs of between $10,000 and $50,000.

A smart way to manage your operating costs

Canada Small Business Financing Act Loan¹

For starting out and expansion

Loans are guaranteed by the Government of Canada (up to 85% of the amount borrowed) to assist with financing, expanding a business or modernizing your business.

Find out if your qualify

TD Business Credit Card

Easily manage your business expenses

Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports.

A convenient and valuable business tool

La Financière agricole du Québec (FADQ) Farm Financing Program¹

A financing tool for resident famers in Québec

A loan program fully guaranteed by the FADQ and available to full- or part-time farmers in Québec.

Expand La Financière agricole du Québec (FADQ) Farm Financing Program

La Financière agricole du Québec (FADQ) Farm Financing Program is fully guaranteed by the FADQ and is available to full- or part-time farmers in Québec.

Eligible loan purposes

Purchase of farm property, equipment or other capital assets
Meet cash flow needs
Refinancing of existing debt
Any other FADQ approved purpose

Borrower eligibility

Full- or part-time farmers in Québec who apply and qualify for the FADQ Farm Financing Program
Eligible borrowers must be pre-qualified by FADQ
Borrowers must present a Loan Certificate prior to application at TD
The Loan Certificate expires within 90 calendar days of being issued

Loan types

Flexible payment options and interest only loans available
Term Loan (Single or Multiple advances) or
Temporary or Bridge Financing (Interest Only)

Amounts and rates

Minimum of $10,000 to a maximum of $5,000,000 is available under the program
Competitive fixed and floating rate options are available

Day-to-Day Credit Needs	Long-Term Credit Needs
Agriculture Operating Line¹ Access funds when you need them For farmers and agricultural businesses that require financing to help manage their cash flow. Expand Agriculture Operating Line A flexible financing tool that allows you to borrow the money you need when you need it, at competitive interest rates. Finance farm and farm-related purchases: Deal with seasonal fluctuations in cash flow Pay interest only on the amount you borrow, at competitive interest rates and fees Security will vary depending on the amount requested and the risk involved Operating lines available in amounts of $10,000 and higher Available in Canadian or U.S. dollars Apply today	Agriculture Term Loan¹ Purchase or upgrade equipment, facilities and other farm assets For businesses in the agricultural industry who require assistance financing equipment or other farm assets. Expand Agriculture Term Loan A flexible financing tool to help finance farm assets. Purchase new and used farm machinery and equipment Finance livestock, inventory and quota purchases Refinance existing loans Finance other agribusiness projects Choose from fixed or variable rates, with amortization up to 10 years, depending on the useful life of the asset Payments may be monthly, quarterly, semi-annually or annually, depending on your unique cash flow A 10% prepayment is permitted annually on fixed rate loans. Loans available in amounts of $10,000 and up Security will vary depending on the amount borrowed and the risk involved and may include business assets, farm property or liquid investments Apply today
Farm Property Line of Credit¹ A flexible financing tool For farmers and agricultural businesses that require a flexible tool to help manage their cash flow, or finance capital expenditures. Expand Farm Property Line of Credit Use your farm property as security to get the flexible credit you need to deal with the changing needs of your farm operation. Finance cash flow or capital projects Use your farm as security Withdraw the funds you need when you need them, as long as you make the monthly interest payments Operating lines available in amounts of $25,000 to $500,000 Available in Canadian or U.S. dollars Apply today	Long-Term Farm Loan¹ A flexible financial tool for farmers For full- and part-time farmers who require assistance financing the expansion or purchase of farmland or other capital projects related to their farm operation. Expand Long-Term Farm Loan A Long-Term Farm Loan can help farmers finance capital projects or improve the cash flow of an existing farm operation. Finance expansion or acquisition of farmland Purchase farm equipment Renovate farm buildings or improve farmland Purchase quota Restructure existing loans Floating and fixed rate loans are offered in terms from six months to 5 years (up to 10 years upon request, some restrictions may apply) Payments may be made monthly, quarterly, semi-annually or annually Amortization periods are up to 25 years on new land purchases and up to 15 years for other purchases. A 10% prepayment is permitted annually on fixed rate loans Loans available in amounts of $25,000 and up to $500,000 Apply today
TD Business Credit Card Easily manage your business expenses Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports. A convenient and valuable business tool	Canadian Agricultural Loans Act¹ A flexible financing tool for farmers A federal government loan guarantee program designed to provide farmers and farmer co-operatives with financing for a variety of farm-related activities. Expand Canadian Agricultural Loans Act A federal government guaranteed loan program designed to provide farmers and farmer co-operatives with financing. The Canadian Agricultural Loans Act (CALA) Program accommodates a wide variety of financing needs. A CALA Loan can be used to: Purchase farm real estate, livestock (breeding herd), and farm equipment (including repairs) Construct farm buildings Purchase crop storage condominiums Consolidate debt (under special circumstances) Supplement your farm’s energy use with power from renewable sources Eligible applicants include: Existing full- or part-time farmers Beginning/start-up farmers Farmers taking over the family farm Agricultural co-operatives with a majority (50% plus 1) farmer membership Details Floating and/or fixed rate payments may be made on a monthly, quarterly, semi-annual or annual basis Usually the asset being financed is used as security for the loan Amounts 90%² of the purchase price may be financed up to a: Maximum $500,000³ per farmer, or Maximum $3,000,000 per cooperative Apply today
	Dairy Term Loan or Poultry Term Loan¹ A flexible term loan for dairy and poultry producers For dairy and poultry farmers who require assistance financing capital assets such as equipment, or quota, or improving the cash flow of farm operations. Expand Dairy Term Loan or Poultry Term Loan A single draw term loan for dairy and poultry farmers to finance capital assets, improve the cash flow of an existing operation and finance purchases such as quota. Finance expansion or acquire farm land Renovate farm buildings and improve farmland Purchase quota Refinance existing loans Floating and fixed rate loans are offered in terms from six months to 5 years (up to 10 years upon request; some restrictions may apply). Payments may be made monthly, quarterly, semi-annually or annually Amortization periods up to 15 years, depending on security provided A 10% prepayment is permitted annually on fixed rate loans Secured by quota or a combination of quota and farm real estate Available in amounts of $25,000 and up to $500,000 Apply today
	La Financière agricole du Québec (FADQ) Farm Financing Program¹ A financing tool for resident famers in Québec A loan program fully guaranteed by the FADQ and available to full- or part-time farmers in Québec. Expand La Financière agricole du Québec (FADQ) Farm Financing Program La Financière agricole du Québec (FADQ) Farm Financing Program is fully guaranteed by the FADQ and is available to full- or part-time farmers in Québec. Eligible loan purposes Purchase of farm property, equipment or other capital assets Meet cash flow needs Refinancing of existing debt Any other FADQ approved purpose Borrower eligibility Full- or part-time farmers in Québec who apply and qualify for the FADQ Farm Financing Program Eligible borrowers must be pre-qualified by FADQ Borrowers must present a Loan Certificate prior to application at TD The Loan Certificate expires within 90 calendar days of being issued Loan types Flexible payment options and interest only loans available Term Loan (Single or Multiple advances) or Temporary or Bridge Financing (Interest Only) Amounts and rates Minimum of $10,000 to a maximum of $5,000,000 is available under the program Competitive fixed and floating rate options are available Apply today

Day-to-Day Credit Needs

Long-Term Credit Needs

Agriculture Operating Line¹

Access funds when you need them
For farmers and agricultural businesses that require financing to help manage their cash flow.

Expand Agriculture Operating Line

A flexible financing tool that allows you to borrow the money you need when you need it, at competitive interest rates. Finance farm and farm-related purchases:

Deal with seasonal fluctuations in cash flow
Pay interest only on the amount you borrow, at competitive interest rates and fees
Security will vary depending on the amount requested and the risk involved
Operating lines available in amounts of $10,000 and higher
Available in Canadian or U.S. dollars

Agriculture Term Loan¹

Purchase or upgrade equipment, facilities and other farm assets
For businesses in the agricultural industry who require assistance financing equipment or other farm assets.

Expand Agriculture Term Loan

A flexible financing tool to help finance farm assets.

Purchase new and used farm machinery and equipment
Finance livestock, inventory and quota purchases
Refinance existing loans
Finance other agribusiness projects
Choose from fixed or variable rates, with amortization up to 10 years, depending on the useful life of the asset
Payments may be monthly, quarterly, semi-annually or annually, depending on your unique cash flow
A 10% prepayment is permitted annually on fixed rate loans.
Loans available in amounts of $10,000 and up
Security will vary depending on the amount borrowed and the risk involved and may include business assets, farm property or liquid investments

Farm Property Line of Credit¹

A flexible financing tool
For farmers and agricultural businesses that require a flexible tool to help manage their cash flow, or finance capital expenditures.

Expand Farm Property Line of Credit

Use your farm property as security to get the flexible credit you need to deal with the changing needs of your farm operation.

Finance cash flow or capital projects
Use your farm as security
Withdraw the funds you need when you need them, as long as you make the monthly interest payments
Operating lines available in amounts of $25,000 to $500,000
Available in Canadian or U.S. dollars

Long-Term Farm Loan¹

A flexible financial tool for farmers
For full- and part-time farmers who require assistance financing the expansion or purchase of farmland or other capital projects related to their farm operation.

Expand Long-Term Farm Loan

A Long-Term Farm Loan can help farmers finance capital projects or improve the cash flow of an existing farm operation.

Finance expansion or acquisition of farmland
Purchase farm equipment
Renovate farm buildings or improve farmland
Purchase quota
Restructure existing loans
Floating and fixed rate loans are offered in terms from six months to 5 years (up to 10 years upon request, some restrictions may apply) Payments may be made monthly, quarterly, semi-annually or annually
Amortization periods are up to 25 years on new land purchases and up to 15 years for other purchases.
A 10% prepayment is permitted annually on fixed rate loans
Loans available in amounts of $25,000 and up to $500,000

TD Business Credit Card

Easily manage your business expenses

Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports.

A convenient and valuable business tool

Canadian Agricultural Loans Act¹

A flexible financing tool for farmers
A federal government loan guarantee program designed to provide farmers and farmer co-operatives with financing for a variety of farm-related activities.

Expand Canadian Agricultural Loans Act

A CALA Loan can be used to:

Purchase farm real estate, livestock (breeding herd), and farm equipment (including repairs)
Construct farm buildings
Purchase crop storage condominiums
Consolidate debt (under special circumstances)
Supplement your farm’s energy use with power from renewable sources

Eligible applicants include:

Existing full- or part-time farmers
Beginning/start-up farmers
Farmers taking over the family farm
Agricultural co-operatives with a majority (50% plus 1) farmer membership

Details

Floating and/or fixed rate payments may be made on a monthly, quarterly, semi-annual or annual basis
Usually the asset being financed is used as security for the loan

Amounts

90%² of the purchase price may be financed up to a:

Maximum $500,000³ per farmer, or
Maximum $3,000,000 per cooperative

Dairy Term Loan or Poultry Term Loan¹

A flexible term loan for dairy and poultry producers

For dairy and poultry farmers who require assistance financing capital assets such as equipment, or quota, or improving the cash flow of farm operations.

Expand Dairy Term Loan or Poultry Term Loan

A single draw term loan for dairy and poultry farmers to finance capital assets, improve the cash flow of an existing operation and finance purchases such as quota.

Finance expansion or acquire farm land
Renovate farm buildings and improve farmland
Purchase quota
Refinance existing loans
Floating and fixed rate loans are offered in terms from six months to 5 years (up to 10 years upon request; some restrictions may apply). Payments may be made monthly, quarterly, semi-annually or annually
Amortization periods up to 15 years, depending on security provided
A 10% prepayment is permitted annually on fixed rate loans
Secured by quota or a combination of quota and farm real estate
Available in amounts of $25,000 and up to $500,000

La Financière agricole du Québec (FADQ) Farm Financing Program¹

A financing tool for resident famers in Québec

A loan program fully guaranteed by the FADQ and available to full- or part-time farmers in Québec.

Expand La Financière agricole du Québec (FADQ) Farm Financing Program

La Financière agricole du Québec (FADQ) Farm Financing Program is fully guaranteed by the FADQ and is available to full- or part-time farmers in Québec.

Eligible loan purposes

Purchase of farm property, equipment or other capital assets
Meet cash flow needs
Refinancing of existing debt
Any other FADQ approved purpose

Borrower eligibility

Full- or part-time farmers in Québec who apply and qualify for the FADQ Farm Financing Program
Eligible borrowers must be pre-qualified by FADQ
Borrowers must present a Loan Certificate prior to application at TD
The Loan Certificate expires within 90 calendar days of being issued

Loan types

Flexible payment options and interest only loans available
Term Loan (Single or Multiple advances) or
Temporary or Bridge Financing (Interest Only)

Amounts and rates

Minimum of $10,000 to a maximum of $5,000,000 is available under the program
Competitive fixed and floating rate options are available

Day-to-Day Credit Needs	Long-Term Credit Needs
Agriculture Operating Line¹ Access funds when you need them For farmers and agricultural businesses that require financing to help manage their cash flow. Expand Agriculture Operating Line A flexible financing tool that allows you to borrow the money you need when you need it, at competitive interest rates. Finance farm and farm-related purchases: Deal with seasonal fluctuations in cash flow Pay interest only on the amount you borrow, at competitive interest rates and fees Security will vary depending on the amount requested and the risk involved Operating lines available in amounts of $10,000 and higher Available in Canadian or U.S. dollars Apply today	Agriculture Term Loan¹ Purchase or upgrade equipment, facilities and other farm assets For businesses in the agricultural industry that require assistance financing equipment or other farm assets. Expand Agriculture Term Loan A flexible financing tool to help finance farm assets. Purchase new and used farm machinery and equipment Finance livestock, inventory and quota purchases Refinance existing loans Finance other agribusiness projects Choose from fixed or variable rates, with amortization up to 10 years, depending on the useful life of the asset Payments may be monthly, quarterly, semi-annually or annually, depending on your unique cash flow A 10% prepayment is permitted annually on fixed rate loans Loans available in amounts of $10,000 and up Security will vary depending on the amount borrowed and the risk involved and may include business assets, farm property or liquid investments Apply today
Farm Property Line of Credit¹ A flexible financing tool For farmers and agricultural businesses that require a flexible tool to help manage their cash flow, or finance capital expenditures. Expand Farm Property Line of Credit Use your farm property as security to get the flexible credit you need to deal with the changing needs of your farm operation. Finance cash flow or capital projects Use your farm as security Withdraw the funds you need when you need them, as long as you make the monthly interest payments Operating lines available in amounts of $25,000 to $500,000 Available in Canadian or U.S. dollars Apply today	Long-Term Farm Loan¹ A flexible financial tool for farmers For full- and part-time farmers who require assistance financing the expansion or purchase of farmland or other capital projects related to their farm operation. Expand Long-Term Farm Loan A Long-Term Farm Loan can help farmers finance capital projects or improve the cash flow of an existing farm operation. Finance expansion or acquisition of farmland Purchase farm equipment Renovate farm buildings or improve farmland Purchase quota Restructure existing loans Floating and fixed rate loans are offered in terms from six months to 5 years (up to 10 years upon request, some restrictions may apply) Payments may be made monthly, quarterly, semi-annually or annually Amortization periods are up to 25 years on new land purchases and up to 15 years for other purchases. A 10% prepayment is permitted annually on fixed rate loans Loans available in amounts of $25,000 and up to $500,000 Apply today
Rural Property Mortgage Purchase or upgrade a rural property For customers whose primary residence is on agriculture-zoned land greater than five acres, and who want to purchase and/or upgrade their rural property or use the funds for other investment purposes. Available to customers whose main source of income is farm. Expand Rural Property Line of Credit For customers who have their primary residence on agriculture-zoned land greater than five acres. Available to customers whose main source of income is farm Purchase and/or upgrade your rural property Consolidate some outstanding debt or use for other investment purposes Available in amounts of $75,000 and up to $1,250,000 Available in Canadian dollars Apply today	Canadian Agricultural Loans Act¹ A flexible financing tool for farmers A federal government loan guarantee program designed to provide farmers and farmer co-operatives with financing for a variety of farm-related activities. Expand Canadian Agricultural Loans Act A federal government guaranteed loan program designed to provide farmers and farmer co-operatives with financing. The Canadian Agricultural Loans Act (CALA) Program accommodates a wide variety of financing needs. A CALA Loan can be used to: Purchase farm real estate, livestock (breeding herd), and farm equipment (including repairs) Construct farm buildings Purchase crop storage condominiums Consolidate debt (under special circumstances) Supplement your farm’s energy use with power from renewable sources Eligible applicants include: Existing full- or part-time farmers Beginning/start-up farmers Farmers taking over the family farm Agricultural co-operatives with a majority (50% plus 1) farmer membership Details Floating and/or fixed rate payments may be made on a monthly, quarterly, semi-annual or annual basis Usually the asset being financed is used as security for the loan Amounts 90%² of the purchase price may be financed up to a: Maximum $500,000³ per farmer, or Maximum $3,000,000 per cooperative Apply today
TD Business Credit Card Easily manage your business expenses Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports. A convenient and valuable business tool	Dairy Term Loan or Poultry Term Loan¹ A flexible term loan for dairy and poultry producers For dairy and poultry farmers who require assistance financing capital assets such as equipment, or quota, or improving the cash flow of farm operations. Expand Dairy Term Loan or Poultry Term Loan A single draw term loan for dairy and poultry farmers to finance capital assets, improve the cash flow of an existing operation and finance purchases such as quota. Finance expansion or acquire farm land Renovate farm buildings and improve farmland Purchase quota Refinance existing loans Floating and fixed rate loans are offered in terms from six months to 5 years (up to 10 years upon request; some restrictions may apply). Payments may be made monthly, quarterly, semi-annually or annually Amortization periods up to 15 years, depending on security provided A 10% prepayment is permitted annually on fixed rate loans Secured by quota or a combination of quota and farm real estate Available in amounts of $25,000 and up to $500,000 Apply today
	Rural Property Mortgage Purchase or improve a rural property Flexible, long-term loans designed for customers wishing to purchase and/or improve a primary residence greater than five acres, on agriculture- zoned land. Available to customers whose main source of income is not from farming. Expand Rural Property Mortgage A mortgage loan designed for customers wishing to purchase and/or improve a primary residence on agriculturally zoned land that is more than five acres. Designed for individuals whose main source of income is off-farm. Finance the purchase of farm property Finance improvements to farm property Restructure existing loans Choose either a fixed rate or a floating rate loan (terms from six months to 5 years) Payments can be either bi-weekly or monthly Amortization periods are up to 30 years A 15% prepayment is permitted annually on fixed rate loans (learn more about making prepayments) Mortgages available in amounts of $75,000 and up to $1,250,000 Apply today
	A financing tool for resident famers in Québec¹ A loan program fully guaranteed by the FADQ and available to full- or part-time farmers in Québec. Expand La Financière agricole du Québec (FADQ) Farm Financing Program La Financière agricole du Québec (FADQ) Farm Financing Program is fully guaranteed by the FADQ and is available to full- or part-time farmers in Québec. Eligible loan purposes Purchase of farm property, equipment or other capital assets Meet cash flow needs Refinancing of existing debt Any other FADQ approved purpose Borrower eligibility Full- or part-time farmers in Québec who apply and qualify for the FADQ Farm Financing Program Eligible borrowers must be pre-qualified by FADQ Borrowers must present a Loan Certificate prior to application at TD The Loan Certificate expires within 90 calendar days of being issued Loan types Flexible payment options and interest only loans available Term Loan (Single or Multiple advances) or Temporary or Bridge Financing (Interest Only) Amounts and rates Minimum of $10,000 to a maximum of $5,000,000 is available under the program Competitive fixed and floating rate options are available Apply today

Day-to-Day Credit Needs

Long-Term Credit Needs

Agriculture Operating Line¹

Access funds when you need them
For farmers and agricultural businesses that require financing to help manage their cash flow.

Expand Agriculture Operating Line

A flexible financing tool that allows you to borrow the money you need when you need it, at competitive interest rates. Finance farm and farm-related purchases:

Deal with seasonal fluctuations in cash flow
Pay interest only on the amount you borrow, at competitive interest rates and fees
Security will vary depending on the amount requested and the risk involved
Operating lines available in amounts of $10,000 and higher
Available in Canadian or U.S. dollars

Agriculture Term Loan¹

Purchase or upgrade equipment, facilities and other farm assets
For businesses in the agricultural industry that require assistance financing equipment or other farm assets.

Expand Agriculture Term Loan

A flexible financing tool to help finance farm assets.

Purchase new and used farm machinery and equipment
Finance livestock, inventory and quota purchases
Refinance existing loans
Finance other agribusiness projects
Choose from fixed or variable rates, with amortization up to 10 years, depending on the useful life of the asset
Payments may be monthly, quarterly, semi-annually or annually, depending on your unique cash flow
A 10% prepayment is permitted annually on fixed rate loans
Loans available in amounts of $10,000 and up
Security will vary depending on the amount borrowed and the risk involved and may include business assets, farm property or liquid investments

Farm Property Line of Credit¹

A flexible financing tool
For farmers and agricultural businesses that require a flexible tool to help manage their cash flow, or finance capital expenditures.

Expand Farm Property Line of Credit

Use your farm property as security to get the flexible credit you need to deal with the changing needs of your farm operation.

Finance cash flow or capital projects
Use your farm as security
Withdraw the funds you need when you need them, as long as you make the monthly interest payments
Operating lines available in amounts of $25,000 to $500,000
Available in Canadian or U.S. dollars

Long-Term Farm Loan¹

Expand Long-Term Farm Loan

A Long-Term Farm Loan can help farmers finance capital projects or improve the cash flow of an existing farm operation.

Finance expansion or acquisition of farmland
Purchase farm equipment
Renovate farm buildings or improve farmland
Purchase quota
Restructure existing loans
Floating and fixed rate loans are offered in terms from six months to 5 years (up to 10 years upon request, some restrictions may apply) Payments may be made monthly, quarterly, semi-annually or annually
Amortization periods are up to 25 years on new land purchases and up to 15 years for other purchases.
A 10% prepayment is permitted annually on fixed rate loans
Loans available in amounts of $25,000 and up to $500,000

Rural Property Mortgage

Purchase or upgrade a rural property

For customers whose primary residence is on agriculture-zoned land greater than five acres, and who want to purchase and/or upgrade their rural property or use the funds for other investment purposes. Available to customers whose main source of income is farm.

Expand Rural Property Line of Credit

For customers who have their primary residence on agriculture-zoned land greater than five acres.

Available to customers whose main source of income is farm
Purchase and/or upgrade your rural property
Consolidate some outstanding debt or use for other investment purposes
Available in amounts of $75,000 and up to $1,250,000
Available in Canadian dollars

Canadian Agricultural Loans Act¹

A flexible financing tool for farmers
A federal government loan guarantee program designed to provide farmers and farmer co-operatives with financing for a variety of farm-related activities.

Expand Canadian Agricultural Loans Act

A CALA Loan can be used to:

Purchase farm real estate, livestock (breeding herd), and farm equipment (including repairs)
Construct farm buildings
Purchase crop storage condominiums
Consolidate debt (under special circumstances)
Supplement your farm’s energy use with power from renewable sources

Eligible applicants include:

Existing full- or part-time farmers
Beginning/start-up farmers
Farmers taking over the family farm
Agricultural co-operatives with a majority (50% plus 1) farmer membership

Details

Floating and/or fixed rate payments may be made on a monthly, quarterly, semi-annual or annual basis
Usually the asset being financed is used as security for the loan

Amounts

90%² of the purchase price may be financed up to a:

Maximum $500,000³ per farmer, or
Maximum $3,000,000 per cooperative

TD Business Credit Card

Easily manage your business expenses

Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports.

A convenient and valuable business tool

Dairy Term Loan or Poultry Term Loan¹

A flexible term loan for dairy and poultry producers

For dairy and poultry farmers who require assistance financing capital assets such as equipment, or quota, or improving the cash flow of farm operations.

Expand Dairy Term Loan or Poultry Term Loan

A single draw term loan for dairy and poultry farmers to finance capital assets, improve the cash flow of an existing operation and finance purchases such as quota.

Finance expansion or acquire farm land
Renovate farm buildings and improve farmland
Purchase quota
Refinance existing loans
Floating and fixed rate loans are offered in terms from six months to 5 years (up to 10 years upon request; some restrictions may apply). Payments may be made monthly, quarterly, semi-annually or annually
Amortization periods up to 15 years, depending on security provided
A 10% prepayment is permitted annually on fixed rate loans
Secured by quota or a combination of quota and farm real estate
Available in amounts of $25,000 and up to $500,000

Rural Property Mortgage

Purchase or improve a rural property

Flexible, long-term loans designed for customers wishing to purchase and/or improve a primary residence greater than five acres, on agriculture- zoned land. Available to customers whose main source of income is not from farming.

Expand Rural Property Mortgage

A mortgage loan designed for customers wishing to purchase and/or improve a primary residence on agriculturally zoned land that is more than five acres. Designed for individuals whose main source of income is off-farm.

Finance the purchase of farm property
Finance improvements to farm property
Restructure existing loans
Choose either a fixed rate or a floating rate loan (terms from six months to 5 years)
Payments can be either bi-weekly or monthly
Amortization periods are up to 30 years
A 15% prepayment is permitted annually on fixed rate loans (learn more about making prepayments)
Mortgages available in amounts of $75,000 and up to $1,250,000

A financing tool for resident famers in Québec¹

A loan program fully guaranteed by the FADQ and available to full- or part-time farmers in Québec.

Expand La Financière agricole du Québec (FADQ) Farm Financing Program

La Financière agricole du Québec (FADQ) Farm Financing Program is fully guaranteed by the FADQ and is available to full- or part-time farmers in Québec.

Eligible loan purposes

Purchase of farm property, equipment or other capital assets
Meet cash flow needs
Refinancing of existing debt
Any other FADQ approved purpose

Borrower eligibility

Full- or part-time farmers in Québec who apply and qualify for the FADQ Farm Financing Program
Eligible borrowers must be pre-qualified by FADQ
Borrowers must present a Loan Certificate prior to application at TD
The Loan Certificate expires within 90 calendar days of being issued

Loan types

Flexible payment options and interest only loans available
Term Loan (Single or Multiple advances) or
Temporary or Bridge Financing (Interest Only)

Amounts and rates

Minimum of $10,000 to a maximum of $5,000,000 is available under the program
Competitive fixed and floating rate options are available

Expand Insurance for your Farm Financing

If you are arranging financing, consider Business Credit Life Insurance.⁴ It can help meet the financial obligations of your farm should a person who is key to its success die or suffer a covered accident. Learn more about protecting your farm with Business Credit Life Insurance.

Expand Business Banking Foreign Exchange Services for your farm

If any part of your farm business is exposed to buying or selling foreign currency, daily fluctuations can mean the difference between profit and loss for your farm operation. Whether you prefer dealing online with TDX, or over the phone with TD's Direct Trade services, we can provide you with competitive, up-to-the-minute quotes, timely and accurate settlement of trades and an efficient confirmation process to help you make the best foreign exchange decisions for your farm. Learn more about our foreign exchange services.

Expand Reports by TD Economics

The right information can often make a difference in the way you operate your farm or agricultural business. TD Economics has a team of specialists committed to providing such information on a local and global basis. We provide reports, analyses and commentaries on economic and financial trends. Special attention is paid to developments in several key markets that directly affect farmers, including foreign exchange, interest rates and world commodity prices.

Expand Documents needed to obtain business credit

To ensure the prompt processing of your application for credit, the following documents are typically required by your TD Canada Trust Business Banking Specialist.⁵

Confirmation of personal earnings (e.g., Notices of Assessment for the most recent two-year period)
Personal net worth statement
Statements to confirm investments/deposits (held outside TD Canada Trust)
Confirmation of business earnings (e.g., financial statements for the most recent 2- year period) or copy of business plan may be required
Agreement of Purchase and Sale for real estate (if applicable)
Appraisal may be required when real estate is offered as security (to be provided after credit approval is obtained)

EasyWeb Online Banking

WebBroker Online Investing

EasyWeb Online Banking

WebBroker Online Investing

How can we help you?

Contact Us

Come See Us

Bank Accounts

Borrowing

Credit Cards

Business

Investing

Travel

Banking Solutions

Insurance

Markets & Research

Research

Investor Tools

Quote

Agriculture Credit Solutions

Agriculture Credit Solutions

Comprehensive farm financing solutions

I’m interested in borrowing: Less than $50,000

Day-to-Day Credit Needs

Long-Term Credit Needs

Business Overdraft Protection1

Agriculture Term Loan1

Agriculture Operating Line1

Canadian Agricultural Loans Act1

Business Line of Credit (unsecured)1

Canada Small Business Financing Act Loan1

TD Business Credit Card

La Financière agricole du Québec (FADQ) Farm Financing Program1

Day-to-Day Credit Needs

Long-Term Credit Needs

Agriculture Operating Line1

Agriculture Term Loan1

Farm Property Line of Credit1

Long-Term Farm Loan1

TD Business Credit Card

Canadian Agricultural Loans Act1

Dairy Term Loan or Poultry Term Loan1

La Financière agricole du Québec (FADQ) Farm Financing Program1

Day-to-Day Credit Needs

Long-Term Credit Needs

Agriculture Operating Line1

Agriculture Term Loan1

Farm Property Line of Credit1

Long-Term Farm Loan1

Rural Property Mortgage

Canadian Agricultural Loans Act1

TD Business Credit Card

Dairy Term Loan or Poultry Term Loan1

Rural Property Mortgage

A financing tool for resident famers in Québec1

Ways To Apply

Find an Account Manager, Small Business

Visit us in person

Talk to Us

Services

Support

Ways to Bank

Contact Us

Business Overdraft Protection¹

Agriculture Term Loan¹

Agriculture Operating Line¹

Canadian Agricultural Loans Act¹

Business Line of Credit (unsecured)¹

Canada Small Business Financing Act Loan¹

La Financière agricole du Québec (FADQ) Farm Financing Program¹

Agriculture Operating Line¹

Agriculture Term Loan¹

Farm Property Line of Credit¹

Long-Term Farm Loan¹

Canadian Agricultural Loans Act¹

Dairy Term Loan or Poultry Term Loan¹

La Financière agricole du Québec (FADQ) Farm Financing Program¹

Agriculture Operating Line¹

Agriculture Term Loan¹

Farm Property Line of Credit¹

Long-Term Farm Loan¹

Canadian Agricultural Loans Act¹

Dairy Term Loan or Poultry Term Loan¹

A financing tool for resident famers in Québec¹