CGB Agri Financial Services

What CGB Agri Financial Services does

CGB Agri Financial Services (also doing business as AgriFinancial or "AgFi") is a privately held agricultural lending subsidiary of CGB, a diversified agribusiness conglomerate. Headquartered at 2209 River Road, Louisville, KY, AgFi originates and services farm and ranch loans, FSA-guaranteed loans up to $2,343,000 per loan, interest-only transition financing with 3–5 year interest-only periods, leases, and revolving lines of credit, with individual standard loans eligible for streamlined applications up to $5,000,000 and up to 70% loan-to-value. The firm holds NMLS #1472 and is licensed as a mortgage lender and broker in 20+ US states spanning the Midwest, South, West, and Pacific Northwest.

The company distributes exclusively through direct field sales: a coast-to-coast network of home-based sales representatives visits customers on their farms under a "Let us come to you" service model, supplemented by a toll-free line (877-548-2622), customer service line (866-901-3276), and email intake ([email protected]). Digital self-service includes an interactive loan calculator, an online application portal for loans up to $5,000,000, and a ShareFile-backed customer portal for payments, draw requests, and document exchange. Two specialized co-marketing financing partnerships extend the channel — with Morton Buildings for rural/agricultural construction and with Sukup for grain storage bins.

Revenue is generated through interest income on originated and serviced loans plus origination and servicing fees across the product mix. Pricing is quote-based and not publicly disclosed, with terms varying by product, credit profile, and amortization (FSA loans amortize up to 30 years and offer up to 90% LTV for beginning farmers; select standard products carry no prepayment penalties). No proprietary technology platform, API, SDK, or AI/ML capability is disclosed; operations rely on standard mortgage lending infrastructure, with the company's competitive position resting on agricultural domain expertise, multi-state licensure, and a low-overhead remote field-sales model.

Name

CGB Agri Financial Services

Legal name

CGB Agri Financial Services, Inc.

Website

https://cgb-agfi.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

CGB Agri Financial Services is a Louisville, KY-based agricultural lending subsidiary of CGB that provides farm loans, FSA-guaranteed loans, leases, and lines of credit to farmers and ranchers across 20+ US states through a network of home-based field representatives.

Ownership category

akta.pro rank

Product category

Agricultural Lending

SIC

Savings Institution, Federally Chartered (6035), Agricultural Services (700)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industry

Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)

Keywords

• Agricultural lending
• Farm loans
• FSA guaranteed loans
• Agricultural leases
• Farm lines of credit

Headquarters

HQ city

Louisville

HQ country

United States

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, Others

Revenue model

1. Agricultural Loan Origination and Servicing: CGB Agri Financial Services generates revenue through originating and servicing agricultural loans. Revenue is derived from interest income on loans (fixed and variable rate farm loans, FSA-backed loans, interest-only transition loans, lines of credit, and leases) and associated origination and servicing fees. Loans range from small beginning farmer loans to large commercial agricultural financing up to $5,000,000+.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

CGB Agri Financial Services (AgFi) is an agricultural lender that originates and services farm and ranch loans, FSA government-guaranteed loans, interest-only transition loans, leases, and revolving lines of credit for U.S. farmers and ranchers, with streamlined applications for loans up to $5,000,000 and FSA guarantees up to $2,343,000. The company also offers specialized financing programs for Morton Buildings agricultural structures and Sukup grain storage bins, distributed through a coast-to-coast home-based field representative network anchored from Louisville, KY.

Product overview

CGB Agri Financial Services (AgFi) operates as a specialized agricultural lending platform offering a comprehensive suite of farm financing products. The core offerings include Farm and Ranch Loans for purchase, refinance, and restructuring up to $5,000,000; FSA Guaranteed Loans with government backing up to $2,343,000; Interest-Only Transition Financing loans for 3-5 year periods; Leases; and Lines of Credit. The platform also provides specialized financing programs for Morton Buildings structures and Sukup grain bins. An interactive loan calculator tool supports the application process. The company is licensed in 20 states and serves farmers nationwide through a network of home-based representatives, maintaining its primary operations hub in Louisville, KY.

Differentiator

Problem solved

Functional benefit

Products and services

• Farm and Ranch Loans Traditional agricultural loans for farm purchase, refinance, or restructuring with streamlined applications up to $5,000,000, offering fixed and variable rate options, up to 70% loan-to-value, flexible payment schedules (monthly, semi-annual, quarterly, or annual), and no prepayment penalties on select products. Targeted at commercial farmers and ranchers.
• FSA Guaranteed Loans Federally-backed farm loans providing competitive fixed and variable rates, amortizations up to 30 years, FSA guarantees up to $2,343,000, and flexible payment terms. Includes a Beginning Farmer and Rancher Loan program for producers within their first 10 years of operation offering loans up to 90% loan-to-value. Targeted at family farm owners or operators who do not qualify for standard commercial loans.
• Interest-Only Farm Loans (Transition Financing) Fixed-rate interest-only loans for 3-5 years designed to help farmers through operation transitions such as land development, permanent plantings, or facility expansion. Features interest-only payment periods to increase cash flow and build production history.
• Leases Agricultural lease financing options for farm equipment, property, and operations.
• Lines of Credit Revolving credit facilities for ongoing agricultural operational needs and seasonal cash flow management.
• Morton Buildings Financing Specialized financing program for Morton Buildings agricultural structures and facilities, delivered in partnership with Morton Buildings to reach customers building farm structures, barns, and rural facilities.
• Sukup Grain Bin Financing Specialized financing for Sukup grain storage bins and related agricultural infrastructure, delivered in partnership with Sukup to provide farmers an integrated purchase-and-financing solution.

Quantifiable outcome

• FSA Guarantee up to $2,343,000; Amortizations up to 30 years; Loans up to 90% loan-to-value for beginning farmers.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• Morton BuildingsminorGTM or Marketing PartnerAgFi provides specialized financing solutions for Morton Buildings agricultural and rural construction projects. This partnership allows AgFi to reach customers building farm structures, barns, and rural facilities through Morton Buildings' sales channels.
• SukupminorGTM or Marketing PartnerAgFi offers specialized grain bin financing through a partnership with Sukup, a manufacturer of grain storage and handling equipment. Farmers purchasing Sukup grain bins can obtain financing through AgFi, creating a integrated purchase-and-financing solution.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Farmer Mac: A federally chartered stockholder-owned company that provides a secondary market for agricultural mortgage loans. Directly comparable as a government-affiliated agricultural mortgage lender offering long-term fixed-rate financing for farm real estate — overlapping with AgFi's core product suite.
• Agri-Access: A specialty agricultural lender providing farm real estate loans and operating credit to commercial farmers. Comparable to AgFi as a private specialty lender targeting similar customer profiles with overlapping product offerings, though smaller and more regionally focused.
• Conterra Ag Capital: A specialty agricultural lender offering farm and ranch real estate loans, operating lines of credit, and crop input financing. Closely comparable to AgFi as a private, ag-focused lending platform serving commercial farmers and ranchers with similar loan products and underwriting approach.
• Capital Farm Credit: A Farm Credit System cooperative serving Texas and surrounding states with farm and ranch loans, real estate financing, and operating credit. Comparable as a member-owned agricultural lending cooperative offering virtually identical products (farm loans, leases, FSA programs) to AgFi's portfolio.
• AgAmerica Lending: A private agricultural lender providing land loans, refinancing, and operating lines of credit to US farmers and ranchers. Highly comparable as a specialty farm lender targeting similar customer segments (purchase, refinance, restructure) with similar loan sizes and on-farm relationship-based origination.
• Ag Resource Management (ARM): A specialty crop input finance lender providing capital to row-crop farmers through partnerships with ag retailers and input suppliers. Comparable to AgFi as a non-bank ag lender using an embedded/distributed model (retailer partnerships mirror AgFi's Morton/Sukup partnerships), though focused more on operating credit than real estate.
• Farm Credit System: A federally chartered network of cooperatives providing loans, leases, and financial services to farmers, ranchers, and rural communities. Most directly comparable to AgFi as the dominant US agricultural lending franchise with similar product mix (farm mortgages, operating loans, leases).

Regional players

• Heartland Ag Capital Group: A Midwest-based agricultural real estate appraisal and lending firm focused on farmland transactions in the central US. Comparable to AgFi for farm real estate financing and appraisal expertise, though geographically narrower (Midwest-focused) and smaller in scale.

Broad incumbents

• Rabo AgriFinance: A subsidiary of Rabobank Group, one of the largest global agricultural lenders, offering farm loans, lines of credit, and crop insurance to US producers. Comparable as a larger, incumbent ag-specialized lender with overlapping products and a deeper balance sheet, but serving a broader and more institutional client base.
• MetLife Agricultural Investments: The agricultural finance arm of MetLife, a major life insurer that has historically been one of the largest US farmland mortgage holders. Comparable as a broad-incumbent institutional agricultural mortgage lender, but operates at much larger scale and longer-duration balance sheet than AgFi.

Market position

Weaknesses1 record

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 CGB Agri Financial Services