AGRIfinancial Services

What AGRIfinancial Services does

AGRIfinancial Services (AgFi), legally CGB Agri Financial Services, Inc., is a U.S. specialty agricultural lender and Central Servicer founded in 1989 as American Farm Mortgage Company and operating as a privately-held subsidiary of CGB Enterprises, Inc. since 2001. The company provides farm real estate loans, equipment and asset leases, interest-only transition loans, real estate equity lines of credit, and FSA-guaranteed loans, with named products covering Farm Loans up to $5,000,000, Interest-Only Loans with 3-5 year I/O periods, FSA Loans up to $2,343,000, and specialized financing for Morton Buildings and Sukup grain storage systems. As of 2018 it serviced a $2+ billion portfolio across 48 states under NMLS #1472 with 20-state mortgage lender licensure.

The business operates a hybrid go-to-market combining a coast-to-coast network of home-based Regional Sales Officers for on-farm consultations, a digital online application platform, and a correspondent partner program that pays agricultural businesses, equipment dealers, and building contractors origination and field servicing income for loans closed through AgFi. Revenue is generated through interest income on loans and leases, origination fees, ongoing servicing fees, and partner-program flow. Supporting infrastructure includes a customer-facing portal for payments and draw requests, ShareFile for secure document exchange, and educational tools (Loan Calculator, Grain Bin ROI Calculator) that double as top-of-funnel lead generators.

As a private subsidiary of CGB Enterprises, AGRIfinancial does not publicly disclose revenue or detailed financial results. The company completed a leadership transition in June 2025 when Elizabeth Naville succeeded founder Alan Singleton as President, and has continued to expand its channel partner network (most recently with Summit Contracting in March 2025) and its digital application capabilities. Its competitive position rests on deep agricultural domain expertise in its sales and credit staff, a multi-decade Farmer Mac Central Servicer relationship providing secondary-market access, and a distributed field-sales model that maintains personal service while containing overhead.

Name

AGRIfinancial Services

Legal name

CGB Agri Financial Services, Inc.

Website

https://cgb-agfi.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Short description

AGRIfinancial Services (AgFi) is a U.S. specialty agricultural lender and Farmer Mac Central Servicer providing farm real estate loans, equipment leases, interest-only transition loans, lines of credit, and FSA-guaranteed loans to row crop, livestock, permanent planting, and beginning farmer customers across 48 states.

Ownership category

akta.pro rank

Headquarters

HQ city

Louisville

HQ country

United States

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, Others

Revenue model

1. Agricultural Loan Interest: Interest income from farm real estate loans, operating loans, and FSA guaranteed loans. Loans include fixed and variable rate options with various amortization periods up to 30 years.
2. Farm Asset Leasing: Lease financing for equipment, machinery, grain bins, buildings, and other eligible farm assets. Revenue from lease payments including interest-equivalent components.
3. Lines of Credit: Real estate equity-based lines of credit with interest-only payments on outstanding balances. Revenue from interest on drawn amounts.
4. Correspondent/Referral Partner Income: Origination fees and field servicing income paid to correspondent partners on loans closed through AgFi. One-time origination payments and ongoing servicing income.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

AGRIfinancial Services (AgFi) provides specialized farm and ranch financing across the United States, offering farm real estate loans, FSA-guaranteed loans, interest-only transition loans, equipment and asset leases, and equity-based lines of credit. The company also operates correspondent and referral partner programs that enable agricultural businesses and building contractors to originate loans through AgFi.

Product overview

AgriFinancial (AgFi) offers a comprehensive suite of agricultural financing products and services. The core offerings include Farm Loans (purchase, refinance, restructure), Interest-Only Loans (3-5 year fixed-rate with interest-only periods), FSA Guaranteed Loans (federally backed Beginning Farmer loans up to $2.3M), Farm Asset Leases (equipment, bins, buildings), and Lines of Credit (real estate equity-based). Specialized financing partnerships include Morton Buildings and Sukup Grain Bins. Supporting digital tools include an Online Application Portal, Loan Calculator, and Grain Bin ROI Calculator. The Correspondent Partner Program enables third-party originators to close loans through AgFi. All offerings are supported by customer-facing digital services including a Customer Portal (My Account) for payments and draw requests.

Differentiator

Problem solved

Functional benefit

Products and services

• Farm Loans Traditional farm and ranch loans offering purchase, refinance, and restructure options with streamlined application processes up to $5,000,000 and loan-to-value ratios up to 70%, designed for agricultural producers.
• Interest-Only Loans Fixed-rate farm loans with interest-only payment periods of 3-5 years designed to help producers increase cash flow, transition operations, or manage through challenging market conditions.
• FSA Guaranteed Loans Farm Service Agency guaranteed loans providing long-term fixed rates with minimal down payment, backed by the federal government, including Beginning Farmer and Rancher Loans up to $2,343,000.
• Farm Asset Leases Lease financing for equipment, machinery, commodity storage (grain bins, wine tanks), buildings, and other eligible non-real estate farm assets with flexible payment options including Harvest Plan payments.
• Lines of Credit Real estate equity-based revolving line of credit allowing borrowers up to 50% of bare-land owned equity with flexible terms of 3-10 years and interest-only semi-annual payments.
• Morton Buildings Financing Specialized lease financing for Morton Buildings structures including on-farm buildings, equestrian facilities, and commercial buildings with 100% financing available.
• Sukup Grain Bin Financing Lease financing for Sukup grain bins, dryers, handling equipment, and related infrastructure with terms up to 10 years and 100% financing available.
• Correspondent Partner Program Partnership program offering Correspondent, Referral, and Lease Correspondent agreement options for businesses to refer or close loans through AgriFinancial, earning origination and field servicing income.

Quantifiable outcome

• Servicing $2+ Billion portfolio across 48 states as of 2018
• +3 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Summit ContractingminorChannel Partner/ Reseller/ Distributor · 31 March 2025Agricultural construction company specializing in farm buildings, grain systems, and pivot irrigation systems. Partnership announced March 31, 2025 to offer flexible financing solutions to Summit Contracting customers. Farmers gain access to competitive financing for Summit's construction projects.
• Sukup Manufacturing Co.coreChannel Partner/ Reseller/ Distributor · 1 January 2022Family-owned grain equipment manufacturer partnership established in 2022 bringing enhanced financial products, streamlined processes, and personalized customer service for grain storage, drying, and handling equipment. Includes grain bins, legs, dryers, scales, and automation systems.
• Morton BuildingscoreChannel Partner/ Reseller/ Distributor · 1 January 2014Trusted partnership since 2014 for financing Morton Buildings customers' construction projects. AgFi provides one-stop financing solution for Morton Buildings from frame to finish. Covers on-farm buildings, equestrian facilities, and commercial buildings. Partnership includes streamlined application process and consistent payment options over 10 years.
• Farmer Mac (Federal Agricultural Mortgage Corporation)coreStrategic or Co-development Partner · 1 January 2006Official Farmer Mac Central Servicer since 2006. AgFi is one of Farmer Mac's leading Central Servicers, managing and servicing agricultural mortgage loans in the secondary market. This relationship enables AgFi to offer competitive rates and access to capital markets.
• Correspondent PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of correspondent partners including agricultural businesses, equipment dealers, and building contractors who close loans through AgFi. Partners earn origination income (one-time payment) and field servicing income (ongoing) on loans. Includes marketing support, training resources, and access to rate sheets.
• SAI PlatformminorStrategic or Co-development PartnerAgricultural sustainability organization. AgFi is a proud member of organizations striving to deliver sustainable outcomes for agriculture. Part of AgFi's commitment to sustainability and industry collaboration under five sustainability pillars.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Rabo AgriFinance: Rabobank subsidiary providing agricultural lending, crop insurance, and equipment finance to US producers. Closely comparable specialty ag lender serving similar customer segments (row crop, livestock, permanent plantings) with comparable loan products and relationship-based service.
• John Deere Financial: Captive finance arm of John Deere providing equipment loans, leases, and revolving credit to agricultural producers. Comparable in lease financing for farm equipment and grain storage, with similar embedded dealer-channel distribution model.
• Compeer Financial: Farm Credit System cooperative serving producers in Illinois, Minnesota, Wisconsin, and surrounding states. Comparable in providing farm loans, leases, and financial services to crop, livestock, and dairy operations similar to AgFi's core segments.
• AGCO Finance: Joint venture financing for AGCO equipment purchases through dealer network. Comparable in equipment lease and loan products for farm machinery, with similar vendor partnership structure akin to AgFi's Morton/Sukup relationships.
• Farm Credit Mid-America: Farm Credit System association providing farm loans, leases, and crop insurance across multiple US states. Directly comparable to AgFi in target customer (Midwest/South producers), product mix (real estate, operating, equipment loans), and geographic overlap.

Broad incumbents

• CoBank: Farm Credit System bank providing wholesale funding and direct lending to agribusiness and rural infrastructure. A broader institutional player in ag finance that competes indirectly with AgFi for capital allocation within the Farm Credit System.
• Farmer Mac (Federal Agricultural Mortgage Corporation): Government-sponsored enterprise providing secondary market for agricultural loans. AgFi is one of Farmer Mac's Central Servicers. Comparable in the broader ag mortgage ecosystem and sets the capital markets backbone AgFi leverages.
• MetLife Agricultural Investments: Institutional lender to US agriculture with focus on farm real estate mortgages. A larger incumbent operating in the same agricultural lending space but with broader institutional investor mandate rather than AgFi's relationship-based producer focus.

Regional players

• Capital Farm Credit: Texas-based Farm Credit association serving producers across the state. Comparable in farm real estate, operating loans, and equipment financing for crop and livestock producers, though primarily confined to Texas geography.
• Yankee Farm Credit: Northeast US Farm Credit association providing loans, leases, and financial services to agricultural producers. Comparable in product mix (real estate, equipment, operating loans) but serves a different geographic region than AgFi's coast-to-coast footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/agrifinancial-services
• Instagraminstagram.com/agrifinancial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 AGRIfinancial Services