Farmer-first lending

Tiverton is one of the largest Ag lenders in the United States. Our loans work on the farm.

Most Ag loans are “poor fits” for farmers

Twelve years ago we recognized a big problem: farmers’ loans were too expensive, poorly structured and hindered growth.

Bringing the capital markets to the American farmer

Farmers deserve to earn a higher return than the bank

Our loans are built on the notion that a farmer should earn a higher return than his lender.

We created a loan product that achieves this.

How? It comes down to loan structure and math. Here’s where our finance team comes into play. We have a world-class team of finance experts who work hand-in-hand with our ag team to reduce costs and increase returns for your operation.

Data shows, and we are convinced that, farmers are some of the best borrowers.

We think they deserve the best loan solutions available.

In farming, cash is king. It’s better in your pocket.

Our borrowers have saved $70+ million in payments

Contact us to see how over 30 years and $20 billion of lending experience combined can help your operation.

Our loan products

Real estate loans

  • We lend to over 140 different commodity types - row crops, permanent crops, livestock.

    If you can farm it, we lend to it.

  • Farmers have different capital needs - some large and some small.

    We offer farm loans from $5 million to $200+ million - all crafted around your needs.

  • Farm loans don’t have to be complicated.

    Often a borrower has certain objectives that traditional banks and insurance companies cannot address.

    We’re not a bank. We can tailor a loan solution for the unique needs of your operation.

Operating lines

  • Many operating line lenders focus on just row or permanent crops.

    We lend to livestock farms, processing facilities, logistics businesses, and more.

    140+ Ag sectors and counting.

  • Most operating line lenders have loan maturities of one to two years.

    Do you plan on not farming in two years? We didn’t think so.

    We provide operating loans for the long term.

  • Tiverton has the ability to modify payment timing, size, collateral, borrowing bases and more based on your needs.

Development loans

  • Permanent crops, including apples, pears, cherries, tree nuts, berries, dairies, packing and processing facilities, etc.

  • Typical loan maturities of 2 to 10+ years.

Interest-only loans

  • We work in all sectors.

    We think farmers and agribusinesses should be able to borrow the way large corporations and public companies borrow.

    Interest-only structures are transparent and save a borrower cash.

  • We’re happy to have our loans mirror that of banks or insurance companies.

Advance your balance sheet

Click or call to discuss your credit needs with us.