Agricultural Credit Corporation

What Agricultural Credit Corporation does

Agricultural Credit Corporation (ACC) is a Canadian not-for-profit agricultural lending organization founded in 1992 and headquartered in Guelph, Ontario. ACC administers three government-backed loan programs on behalf of federal and provincial partners: the Advanced Payment Program (APP), the Commodity Loan Program (CLP), and the Grain Sustainability Loan Guarantee Program Pilot (GSLGPP). It serves individual agricultural producers across five Canadian provinces, distributing short-term operating financing that is partially or fully interest-free under the underlying program terms (up to $250,000 interest-free per producer under the 2026 APP parameters).

ACC is institutionally embedded in Canada's agricultural sector through governance by approximately 22 producer associations and marketing boards, which direct and refer applicants to the platform. Since inception, ACC has delivered more than $12 billion in operating funds to Canadian producers, and currently administers in excess of $1 billion in loans annually. The organization operates with a small staff (11-50 employees) and a multi-channel distribution model spanning phone, email, and an online application portal.

ACC's revenue model is administrative in nature: it earns fees and, where applicable, net interest on loan balances above the government-subsidized interest-free portion. Because the entity is structured as a not-for-profit, surplus is reinvested into program delivery rather than distributed to owners. Recent strategic activity — including a memorandum of understanding with Bioenterprise Canada, expansion of the APP interest-free threshold, and extension of the GSLGPP pilot — indicates an effort to broaden both the customer base (including new and young farmers) and the program's reach within the Canadian agricultural ecosystem.

Name

Agricultural Credit Corporation

Legal name

Agricultural Credit Corporation

Website

https://agcreditcorp.ca

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Agricultural Credit Corporation is a Canadian not-for-profit founded in 1992 that administers three government-backed loan programs — APP, CLP, and GSLGPP — for agricultural producers across five provinces, having delivered over $12 billion in operating funds since inception.

Ownership category

akta.pro rank

Product category

Agricultural Lending Services

NAICS

Farm Management Services (115116)

SIC

Federal & Federally-Sponsored Credit Agencies (6111), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

akta.pro secondary industry

Supply Chain, Marketing & Contracting Advisory (Grain/Livestock Marketing) (AFACAJAH)

Keywords

• Agricultural lending programs
• Farmer cash advances
• Commodity loan financing
• Government-backed farm credit
• Producer loan services

Headquarters

HQ city

Guelph

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Interest Income: ACC generates revenue through interest charges on loan balances. The first $250,000 of APP advances are interest-free (government-covered), with balances beyond that charged at Prime Interest Rate. CLP and GSLGPP loans are charged at Prime Interest Rate on the full amount.
2. Administrative Fees: Administrative fees cover credit checks, lien searches, lien registration, and administration and compliance services for loan programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Agricultural Credit Corporation administers three government-backed loan programs for Canadian agricultural producers: the Advance Payments Program (APP) providing up to $1,000,000 per producer with the first $250,000 interest-free; the Ontario-only Commodity Loan Program (CLP) providing up to $750,000 at Prime Interest Rate for crop input financing; and the Ginseng Storage Loan Guarantee Pilot Program (GSLGPP) providing up to $1,000,000 at Prime Interest Rate for stored ginseng. Programs are accessed via phone, email, fax, and a bilingual online Producer Portal.

Product overview

Agricultural Credit Corporation (ACC) is a not-for-profit agricultural lending organization that offers three core loan programs: the Advance Payments Program (APP) - a federal government program providing cash advances to Canadian producers with interest-free portions; the Commodity Loan Program (CLP) - an Ontario-specific program for financing crop production expenses; and the Ginseng Storage Loan Guarantee Pilot Program (GSLGPP) - a specialized program for Ontario ginseng farmers. All programs are accessible through ACC's online Producer Portal, which supports applications, repayments, and account management. ACC's services are available in both English and French, serving producers across Alberta, British Columbia, Ontario, Quebec, and Saskatchewan.

Differentiator

Problem solved

Functional benefit

Products and services

• Advance Payments Program (APP) A Government of Canada program administered by ACC that supports the provision of cash advances to Canadian agricultural producers. Provides up to $1,000,000 per producer per year with the first $250,000 interest-free (government-covered), available across Alberta, British Columbia, Ontario, Quebec, and Saskatchewan for over 4,000 commodities including grains, oilseeds, vegetables, livestock, ginseng, hemp, and potted plants.
• Commodity Loan Program (CLP) An Ontario-specific provincial program that assists Ontario farmers in financing crop planting, cultivating, and harvesting expenses. Offers up to $750,000 per producer per year at Prime Interest Rate, with financing available up to 22 months including a storage component, and is available exclusively to Ontario farming operations.
• Ginseng Storage Loan Guarantee Pilot Program (GSLGPP) An Ontario government pilot loan guarantee program assisting ginseng farmers in sustaining and growing their business. Provides up to $1,000,000 per year at Prime Interest Rate with financing up to 24 months for Ontario ginseng producers enrolled in AgriStability who hold ginseng in storage, with the ginseng rate set by the Ontario government at $39.07 per kg.
• ACC Producer Portal Online self-service portal allowing producers to manage loan applications, repayments, view statements, and access account information. Available in English and French, supporting the day-to-day operational interface for ACC's three government-backed loan programs.

Quantifiable outcome

• Provided over $12 billion in operating funds to Canadian producers since 1992
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

One partnership is on record.

• Bioenterprise CanadacoreStrategic or Co-development Partner · 28 January 2026Multi-year Memorandum of Understanding (MOU) establishing a collaborative framework to accelerate innovation, commercialization, and adoption across Canada's agri-food and agri-tech sectors. ACC's financial tools and agricultural expertise combined with Bioenterprise's national Engine network of 1,200+ partners and members. Includes alignment of commercialization expertise with financial assessment, bridge financing access for Bioenterprise program applicants, and joint engagement activities.

Scale indicators5 records

Recent moves5 records

Expansion highlights3 records

Regional players

• Manitoba Crop Alliance: Manitoba Crop Alliance is a producer-funded commodity organization that has administered the APP for Manitoba grain producers. It is a regional peer to ACC, offering comparable APP-anchored cash advance services in a geography where ACC does not currently operate.
• Connect First Credit Union (Agricultural Services): Connect First Credit Union operates an agricultural services division serving Alberta producers with operating credit and farm financing. It is a regional peer to ACC in Western Canada, competing for producer operating capital without the federal interest-free advance component.

Broad incumbents

• Farm Credit Canada: Farm Credit Canada is a federal Crown corporation and Canada's largest agricultural lender, offering operating loans, term financing, mortgages, and equipment leasing to primary producers and agri-business. It is a direct functional peer to ACC as an APP administrator and the dominant scale player in Canadian agricultural credit.
• RBC Agricultural Banking: RBC's agricultural banking division provides operating credit, term loans, and equipment financing to Canadian primary producers. While not an APP administrator, RBC competes for the same producer financing wallet that ACC targets and serves as the commercial credit benchmark against which ACC's interest-free advantage is measured.
• BMO Agricultural Banking: BMO offers agricultural banking products including operating lines, equipment financing, and farmland mortgages to Canadian producers. It is a broad incumbent peer to ACC, with deeper digital infrastructure but without the government-backed interest-free advance component.
• Scotiabank Agricultural Banking: Scotiabank's agriculture banking group provides financing solutions to Canadian primary producers, including operating loans and equipment financing. It is a broad incumbent competitor to ACC for the producer operating capital wallet, alongside RBC and BMO.

Direct peers

• Canadian Canola Growers Association: CCGA administers the Advance Payments Program on behalf of Western Canadian canola and grain producers, making it a direct peer to ACC's APP administration business. Both organizations run farmer-governed non-profit lending operations delivering government-backed cash advances, with CCGA focused on the Prairies and ACC on Eastern Canada.
• Western Cash Advance Program (WCAP): WCAP is a not-for-profit administrator of the federal Advance Payments Program serving grain and livestock producers in Western Canada. It operates the same APP structure as ACC, providing interest-free advances to producers through a producer-association governance model, making it a direct peer in the Canadian agricultural cash advance space.

Others

• Ontario Federation of Agriculture: OFA is one of ACC's 22 member associations, representing Ontario farmers as a general farm organization. While not a direct lender, OFA is a strategic stakeholder in ACC's governance and an adjacent peer in the broader Ontario agricultural services ecosystem.
• Bioenterprise Canada: Bioenterprise Canada is Canada's Food & Agri-Tech Engine, a national agri-tech accelerator with 1,200+ partners. It is an ACC strategic partner (Jan 2026 MOU) rather than a competitor, but is a thematic peer as an emerging agricultural financing and commercialization ecosystem participant.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/agcreditcorp
• YouTubeyoutube.com/channel/UCa875rtp-I7I6iR6EQ1j2IQ
• Facebookfacebook.com/agcreditcorp
• LinkedInlinkedin.com/company/agcreditcorp

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Agricultural Credit Corporation