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Rooted Capital for Growing Futures.

TerraFirma Capital serves America's agricultural community with specialized farm loans, equipment financing, and rural development capital. Built by rural advocates, for rural America.

Check Your Rate Free
From 5.99% APR
Up to $250,000
No Hidden Fees

Quick Rate Check

Answer 3 questions to see if you qualify for rates starting at 5.99% APR.

Loan Amount

$10,000 to $250,000

APR Range

5.99% to 17.99%

Terms Available

12-120 months

Start Application

No impact on your credit score.

How It Works.

A streamlined process designed for speed and transparency.

01

Tell Us Your Need

A quick form captures your requirements. No documentation needed for the initial rate check.

02

Compare Offers

Receive personalized offers from our lending network with clear rates, terms, and monthly payments.

03

Get Funded

Accept your preferred offer and receive funds via direct deposit. Fast, simple, transparent.

Why Choose TerraFirma Capital.

Built with transparency, speed, and your financial success in mind.

Intelligent Matching Technology

Our proprietary algorithm analyzes your profile against hundreds of lending criteria to find the most competitive rates available in our network. No manual searching, no hidden markups.

$0 Hidden Fees

No application fees, no origination fees, and no prepayment penalties. What you see in your offer is exactly what you pay.

Soft Credit Check

Your initial rate check uses a soft inquiry only—zero impact on your credit score. Hard pulls occur only when you accept an offer.

Dedicated Support

Every borrower gets access to our specialized support team for questions about rates, terms, and repayment strategies.

Responsible Lending Standards

We partner exclusively with licensed, regulated lenders who adhere to fair lending practices. Every offer is stress-tested against your ability to repay, because responsible lending builds lasting financial health.

Common Questions.

Clear answers for confident decisions.

What types of agricultural loans do you offer?
TerraFirma connects borrowers with farm operating loans, equipment financing, land purchase loans, livestock loans, and rural business development capital.
Do you work with beginning farmers?
Yes! Many of our lending partners have specific programs for beginning farmers with less than 10 years of experience, including reduced rate programs and flexible collateral requirements.
How are seasonal incomes evaluated?
Our lending partners understand agricultural cash flow patterns. Applications are evaluated based on annual revenue projections, historical yields, and crop insurance coverage—not just monthly W-2 income.
Can I finance used equipment?
Absolutely. Equipment financing through TerraFirma covers new and used tractors, combines, irrigation systems, and specialty agricultural equipment.
What about USDA loan programs?
We provide comprehensive guidance on USDA Farm Service Agency programs including direct and guaranteed loans. Our blog covers detailed eligibility requirements for each program.

Ready to Get Started?

Join thousands who found smarter lending through TerraFirma Capital. No surprises, no pressure.

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