Farm mortgages, operating lines, equipment financing, and leasing products, built around the deals you actually have.

Growerse Edge offers a broad menu of farm real estate, operating, and equipment financing, run by Loan Officers who know agriculture. Whether you’ve been farming your whole life, just getting started, own your land, or rent the ground, our products are simple, fast, and cost-competitive.

Who this is for

New growers and next-gen operators.

Buying your first piece of ground? We do new-farmer mortgages with low down payments and rates priced for first-time buyers.

Opportunity buyers who need speed.

Neighbor’s land just came up. Farm sale closing soon. Conventional lender said no. We do bridge and non-prime financing for deals that need to move.

Established farmers and operators

Restructuring existing debt. Bridge financing. Adding equipment. Expanding facilities (lease or loan). Funding the season’s operating line. One Loan Officer, one place, the full menu.

The product menu

Land, Equipment & Operating needs

  • Loans for land, equipment, inputs, operating expenses, and more
  • Flexible operating lines of credit to smooth cash flow
  • Equipment financing and leasing programs with terms up to 10 years

Mortgage & Property Financing

  • Fixed-rate mortgages up to 30 years to reduce interest rate risk
  • Adjustable-rate mortgages to improve cashflow flexibility
  • Bridge and non-prime mortgage options for borrowers outside traditional programs
  • For new or existing farmers, as little as 5% down and 0% down in some cases

Construction and Expansion Projects

  • Financing loans and leasing products for new construction and facility upgrades
  • Funding for fixtures and essential infrastructure

Flexible Repayment Options

  • Interest-only payment options for early-stage or transitional periods
  • Leasing products for improved cash flow and possible tax benefits*

*Please consult your tax advisor

How it works

  1. Talk to a Loan Officer. Free consultation. No credit pull. We listen first, then map a strategy that fits.
  2. Apply. Digital application or apply over the phone. We tell you what documents we need and why. Upload them in our secure portal.
  3. Underwrite and decide. Automated decisioning where it makes sense. Growers Edge Loan Officers review the deals that need a closer look. Our team looks for solutions, not reasons to say no.
  4. Close and fund. Sign documents, close the loan, get the funds.

Stories

Real deals we’ve closed

The neighbor-acres deal

A farmer wanted to buy 300 neighboring acres. The seller needed to close in 30 days. A traditional lender wouldn’t get there in time. We structured a bridge with interest-only payments. The farmer closed on time and now farms the ground.

The poultry expansion

A grower needed new poultry facilities. Cashflow and tax treatment mattered as much as the rate. We structured a $1M lease that improved the cashflow profile and maximized tax benefits. The barns went up.

The first-time farmers

A young couple chasing a generational dream. First land purchase. We structured 5% down on the land, a low new-farmer rate, and low-payment construction financing for the house and outbuildings. They’re farming.

Why
Growers
Edge

Loan Officers who know ag. You’re not getting a generalist banker. Our Loan Officers work with farmers all day; many of them grew up on farms themselves. They know the difference between a poultry barn loan and a row crop operating line.

The broad menu. New-farmer mortgages, bridge, non-prime, construction, equipment, leases, operating lines. One place. One Loan Officer.

Built for the deals others pass on. New farmers with 5% down. Opportunity buyers with 30-day closes. Non-prime credit profiles that still cashflow. We underwrite cases other lenders won’t.

Simple, fast, cost-competitive. Digital application, automated decisioning where it makes sense, real Loan Officers on the calls that matter.

Our Loan Team

ChatGPT Image Jun 12, 2026, 09_20_41 AM

Blake Bogaard

Senior Loan Officer

Sarah

Sarah Woodyer

Loan Analyst

Tracy

Tracy Brandel

Loan Officer

How we compare

Feature
Growers Edge
Farm Credit System
Local ag bank
Broad product menu in one place
Yes
Varies
Varies
New-farmer programs (low down payment)
Yes
Yes
Varies
Bridge / non-prime / fast-close
Yes
Limited
Limited
Equipment + leases under one Loan Officer
Yes
Varies
Limited
Digital application + decisioning
Yes
Varies
Limited

FAQs

How fast can you close?

We have the ability to close quickly in many cases. Bridge deals can be faster. Construction and complex structures take longer. Your Loan Officer will give you a real timeline on day one.

Do you do non-prime or borderline credit?

Yes. Non-prime is a real product line, not an exception. If you’ve been turned down elsewhere, talk to a Growers Edge Loan Officer before assuming the answer is no.

What’s the new-farmer program?

Mortgages designed for first-time farmers: low down-payment terms, new-farmer rates, low-payment construction financing where applicable. Talk to a Loan Officer for specifics.

What documents will I need?

Tax returns, financial statements, documentation of the land or asset you’re financing, and farm records. Your Loan Officer will send a checklist.

Do you finance equipment and leases too?

Yes. Equipment loans, equipment leases up to 100% financing with terms up to 10 years, and structured leases for tax and cashflow. One Loan Officer handles all of it.

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