Agri-Access

Name

Agri-Access

Legal name

Agri-Access, a division of Compeer Financial, ACA/FLCA/PCA

Website

https://agri-access.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Agricultural Lending Services

NAICS

Credit Intermediation and Related Activities (522), Real Estate Credit (522292)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

Keywords

• Agricultural lending services
• Loan participation financing
• Embedded financing solutions
• Secondary ag lending
• Credit underwriting services

Headquarters

HQ city

Johnston

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Participation Capital: Agri-Access provides capital behind the scenes while partners remain lenders of record. Revenue generated through participation in loan interest and fees on agricultural real estate, equipment, and input loans.
2. Embedded Financing Solutions: Capital solutions and servicing for fintech and retailer partners who offer point-of-sale credit under their own brand. Agri-Access handles compliance, servicing, and capital while partners focus on growth.
3. Loan Servicing Income: Partners retain servicing income through 100% participation structures, while Agri-Access provides the capital backing.
4. Appraisal Services: Agricultural appraisal services supporting loan participation and embedded financing transactions.
5. Leasing Products: Equipment and facility lease structuring for agricultural operations including grain bins and specialized facilities.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Agri-Access is a division of Compeer Financial that provides secondary agricultural lending capital through two core models: loan participation (where Agri-Access funds behind the scenes while partners remain lenders of record, typically structured as 100% participations) and embedded financing APIs (where agri-fintechs and retailers integrate point-of-sale credit under their own brand). Supporting financial products include real estate, equipment, input, and leasing financing, with the Scorecard underwriting program automating more than 70% of credit decisions within 48 hours for loans up to $5 million, and appraisal services supporting property valuations.

Product overview

Agri-Access is a division of Compeer Financial offering a comprehensive agricultural lending platform consisting of two core service models: Loan Participation and Embedded Financing. Loan Participation enables financial institutions to expand ag portfolios while managing risk, with Agri-Access providing capital behind the scenes while partners retain borrower relationships. Embedded Financing API allows agri-fintechs and retailers to offer point-of-sale credit under their own brand. Supporting products include Real Estate Loans, Equipment Loans, Input Loans, and Leasing Products. Digital delivery is handled through the Lender Portal (7-step participation workflow) and Embedded Financing API. The Scorecard Underwriting Program streamlines credit decisions up to $5M, with over 70% automated decisions and 48-hour turnaround. Appraisal services and regional Relationship Managers provide additional support.

Differentiator

Problem solved

Functional benefit

Brands

• Scorecard: Scorecard underwriting program offering automated credit decisions for loans up to $5M with credit decisions in less than 48 hours.
• Embedded Financing API
• Lender Portal

Products and services

• Loan Participation Secondary market lending solution that allows financial institution partners to share risk on agricultural loans while remaining the lender of record. Agri-Access provides capital behind the scenes; partners retain borrower relationships and servicing income. Most deals are structured as 100% participations to give partners full relationship control, with capital deployed across ag real estate, equipment, and input loans.
• Embedded Financing API API-driven embedded financing solution for agri-fintech platforms and ag retailers, enabling partners to offer point-of-sale credit under their own brand. Agri-Access handles underwriting, closing, and servicing while the partner retains front-end borrower experience. API endpoints cover product/rate retrieval, session management, identity verification, loan application submission, decision response retrieval, and system health monitoring.
• Lender Portal Secure digital platform for lender partners to manage loan participation from application through closing. Guides transactions through a structured 7-step workflow designed to maintain documentation integrity and process consistency. Includes a searchable knowledge base and onboarding guidance; SOC2 Type II compliant, encrypted, and continuously monitored.
• Real Estate Loans Long-term financing for farm real estate structured to support agricultural operations with flexible terms aligned to production cycles, provided through lender partners via participation.
• Equipment Loans Financing solutions for agricultural equipment and facilities, supporting farmers and producers with capital for operational growth, delivered through lender partners.
• Input Loans Seasonal input financing available through embedded programs that support agricultural production costs at the point of sale for retailers and fintech partners.
• Leasing Products Lease structures for agricultural equipment and facilities, including grain bins and specialized facilities, providing a path to ownership through flexible payment designs delivered through lender partners.
• Scorecard Underwriting Program Streamlined credit decision program that drives more than 70% of Agri-Access credit decisions and delivers answers often within 48 hours, supporting loans up to $5 million. Reduces back-office burden for partners while providing consistent automated decisions.
• Appraisals Agricultural appraisal services provided by certified appraisers, supporting accurate property valuations that back lending decisions across participation and embedded financing transactions.

Quantifiable outcome

• 70% of credit decisions automated through Scorecard underwriting
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• BushelcoreTechnology or Integration · 25 July 2025Bushel, an ag technology platform, integrated Agri-Access API-driven embedded financing directly onto its platform. This integration simplifies workflow for farmers who can now access financial programs online within the platform, manage capital in one place, and complete the financing process seamlessly without redirects or disjointed interfaces.
• Bank BarncoreTechnology or Integration · 25 July 2025Bank Barn is a platform that equips farmers to select and finance dairy equipment. Agri-Access provides competitive capital, efficient application-to-closing process, and responsive team support enabling Bank Barn to scale and provide faster access to equipment financing for farmers.
• AgVendcoreTechnology or Integration · 25 July 2025AgVend provides a digital platform for ag retailers. Their partnership with Agri-Access enables new financing programs each year with increased utilization of input financing through the platform. The Chief Commercial Officer notes this partnership is a direct reason more retailers sign on with AgVend annually.
• Bank DirectorminorGTM or Marketing Partner · 1 January 2025Bank Director is a media and events company serving bank executives. Agri-Access partnered with Bank Director for a webinar exploring strategies, talent and advisory insights shaping the future of agricultural lending.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AgAmerica: Specialty agricultural lender offering land loans, operating lines, and equipment financing. Comparable in focusing exclusively on ag lending with flexible, cycle-aligned structures.
• Capital Farm Credit: Texas-based Farm Credit cooperative offering real estate, equipment, and operating loans to farmers and ranchers. Comparable ag loan product set and customer base to Agri-Access.
• Conterra Ag Capital: Specialty ag lender providing loans for farmland, ranchland, and agribusiness. Comparable focus on long-term, fixed-rate ag real estate lending to producers and operators.
• Farm Credit Services of America: Large Farm Credit System association providing direct ag lending and capital markets solutions across the Midwest. Comparable ag lending portfolio focus, regional density, and underwriting programs.
• Farmer Mac: Federal ag credit institution providing secondary market and capital solutions for agricultural real estate and rural infrastructure loans. Directly comparable to Agri-Access's participation lending model for ag real estate, though broader in mandate.
• Rabo AgriFinance: U.S. arm of Rabobank providing ag lending, equipment finance, and capital solutions to farmers and agribusiness. Comparable in offering multi-product ag credit including real estate, equipment, and operating loans.
• AgriBank: Farm Credit System bank that funds and provides capital solutions to affiliated ag lenders across the U.S. Closely comparable to Agri-Access's role as a capital provider behind community and regional ag lenders.

Broad incumbents

• Compeer Financial: Parent Farm Credit cooperative of Agri-Access, providing direct lending, leasing, and financial services to farmers and agribusiness across the Midwest. Most direct comparability on portfolio and geography, though broader than Agri-Access.
• MetLife Agricultural Finance: Institutional lender providing agricultural real estate loans through partnerships with banks and the Farm Credit System. Comparable as a secondary capital provider in the ag real estate participation market.

Emerging players

• FBN Finance: Farmers Business Network's lending arm, providing operating loans, land financing, and input financing to farmers through a digital platform. Overlaps with Agri-Access's embedded financing and ag-fintech strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/agriaccessusa
• Xx.com/AgriAccessUSA

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Agri-Access