Farm Lending Canada

Name

Farm Lending Canada

Legal name

Farm Lending Canada Inc.

Website

https://farmlending.ca

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Agricultural Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Farm Management Services (115116)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSAKAHAG

Real Estate / Property-Backed Marketplace Lending (Non-mortgage)

Financial & Insurance/Lending & Consumer Finance/Peer-to-Peer (P2P) & Marketplace Lending

SECONDARYAFACAJAC

Farm Financial Management & Recordkeeping Services

Agriculture & Food Production/Agricultural Services (Custom Farming, Agronomy, Veterinary)/Farm Management & Operational Advisory Services

SECONDARYAFACAJAN

Capital Projects & Farm Expansion Advisory (Feasibility, Site Planning, ROI)

Agriculture & Food Production/Agricultural Services (Custom Farming, Agronomy, Veterinary)/Farm Management & Operational Advisory Services

Keywords

• Agricultural lending
• Farm mortgages
• Rural land financing
• Farm refinance loans
• Agricultural brokerage

Headquarters

HQ city

Chatham

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Interest Income: Farm Lending Canada earns interest income on its mortgage portfolio secured by agricultural real estate. The company offers mortgages at rates ranging from 5.41% (Prime Rate for Rural Residential) to 9.00%+ (Farm and Ranch). Average loan size exceeds $2 million.
2. Broker and Finder Fees: Mortgage brokers and partners earn finders fees for each approved client referral. The company states brokers can set their own fees. Alt-A agricultural mortgages include a 2% base lender fee. The company also pays finders fees to referring partners.
3. AgriRoots Fund Management: AgriRoots Capital Management Inc. builds and manages investment opportunities in the agricultural sector. Belco Private Capital Inc. serves as the registered exempt market dealer. Revenue is generated through management of the AgriRoots Diversified Lending Fund LP, which invests in agricultural mortgages, with investors able to invest via direct cash, registered accounts, or through investment advisors via Fundserv.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Farm Lending Canada is a Canadian agricultural mortgage brokerage that originates farm and rural land loans — including land purchase financing, refinances, construction loans, and bridge financing — through a national broker network. As part of the Farm Lending Fund, an exempt market fund, the company both brokers and directly funds agricultural mortgages secured by Canadian farmland. The firm is licensed by the Financial Services Regulatory Authority of Ontario (FSRA) and serves farm operators and agribusiness borrowers across Canada.

Product overview

Farm Lending Canada operates as a multi-tiered financial services platform offering agricultural mortgages and lending solutions through distinct product categories. The core mortgage products include Farm and Ranch Mortgages (full-scale commercial operations), Rural Residential Mortgages (hobby farms under $20K income), and Small Agricultural Mortgages (hobby farms over $20K income). The Agricultural Financing division operates on a three-tier model: Tier A Traditional Financing connects borrowers with banks/credit unions, Tier B Alternative Financing provides 1-3 year flexible solutions outside traditional lenders, and Tier C Bridge Financing offers 6-24 month interim capital. Supporting services include Agricultural Consulting, Wealth Management, the FarmER Equity Release Program, and Farm Succession Financing. The AgriRoots Diversified Lending Fund LP manages investment products for accredited investors seeking agricultural asset-backed returns. The company also provides broker submission tools and a Farm Mortgage Calculator. The company's mandate is transitioning borrowers back to conventional financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Agricultural Mortgage (Farm Land Purchase Financing)
• Farm Refinance Loan
• Construction / Bridge Loan
• Farm Lending Fund (Exempt Market Fund Mortgages)
• Mortgage Brokerage Services
• Appraisal and Consulting Services

Quantifiable outcome

• 60% of bridge financing clients transition back to conventional financing within 24 months
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• FamilyLending.ca Inc.coreChannel Partner/ Reseller/ DistributorFamilyLending.ca Inc. is a related mortgage brokerage and subsidiary of Farm Lending Canada, operating as Farm Lending Canada for broker and lending services. Licensed across all Canadian provinces except Quebec (ON Brokerage #12114, AB #495814, BC #X301221, SK #508059, NS #2022-3000227, NB #210012772, NL #25-07-FA055-2, PEI, MB). Founded in 2001 as the original residential mortgage brokerage before the agricultural focus expanded.
• Mortgage Brokers (National Network)coreChannel Partner/ Reseller/ DistributorFarm Lending Canada partners with mortgage brokers across Canada to distribute agricultural mortgage products. Brokers submit deals through Filogix, Velocity, Finmo, and Lendesk platforms. Brokers earn finders fees for each approved client. The company provides a free Broker Kit including product/rate information, submission guidelines, and brokerage sign-up agreement.
• University of GuelphminorStrategic or Co-development PartnerFarm Lending Canada promotes the 'Foundations in Agricultural Management' free online course through the University of Guelph as a training resource for mortgage brokers seeking to expand their expertise in agricultural lending.
• Moody's AnalyticsminorStrategic or Co-development PartnerFarm Lending Canada promotes the Agricultural Lending course through Moody's Analytics (Canadian Edition) as a certification opportunity for brokers seeking to deepen their ag lending expertise in business management, financial risk identification, and evaluating agricultural borrower creditworthiness.
• Farm Marketer / The Impact Farming ShowminorGTM or Marketing PartnerFarm Lending Canada partners with Farm Marketer's The Impact Farming Show podcast, hosting multiple interviews with team members (CEO, CCO, VP Business Development) as a platform to educate farmers and brokers about alternative agricultural lending solutions. Five-part video series collaboration produced.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/FarmLendingCAN
• YouTubeyoutube.com/@FarmLendingCanada
• Facebookfacebook.com/farmlendingcanada
• LinkedInlinkedin.com/company/farmlendingcanada
• Instagraminstagram.com/farmlending
• TikToktiktok.com/@farmlendingcanada

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Farm Lending Canada