Cape Fear Farm Credit
Cape Fear Farm Credit is a member-owned agricultural lending cooperative founded in 1916 and headquartered in Fayetteville, North Carolina. It provides farm, rural home, and land loans to more than 2,500 farmers and rural residents across North Carolina as part of the Farm Credit System.
- Company typePrivate
- Founded1916
- HeadquartersFayetteville, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Cape Fear Farm Credit does
Cape Fear Farm Credit is a member-owned agricultural lending cooperative headquartered in Fayetteville, North Carolina, founded in 1916 and operating as part of the Farm Credit System. The cooperative extends credit to more than 2,500 farmers and rural residents across North Carolina, offering a portfolio of farm operating loans, livestock loans, equipment loans, farm improvement loans, rural home loans, construction loans, and farm and rural land loans. Its customer base spans primary agricultural operations, rural homeowners, land buyers, and young, beginning, and small farmers, with the latter supported through dedicated educational programs.
The cooperative's business model is anchored in net interest income from its lending portfolio, supplemented by ancillary financial services including leasing and insurance, and a patronage program that returns a portion of profits to member-borrowers. Distribution occurs through regional branch offices, a phone-based contact center, a website with online inquiry, and digital banking channels including a mobile application on iOS and Android. Marketing and community engagement are conducted through social media, newsletters, webinars, and community-support initiatives such as scholarships and grants.
No proprietary technology platform, AI/ML capabilities, or differentiated technical stack is disclosed in the available data. The technology footprint is limited to standard online and mobile banking digital services used for account management. The firm employs 51-100 people and is privately held as a cooperative, with no venture capital, private equity, or public-market ownership indicated.
Cape Fear Farm Credit firmographics
Firmographics- Name
- Cape Fear Farm Credit
- Legal name
- AgCarolina Farm Credit
- Website
- https://capefearfarmcredit.com
- Company type
- Private
- Founded year
- 1916
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Cape Fear Farm Credit is a member-owned agricultural lending cooperative founded in 1916 and headquartered in Fayetteville, North Carolina. It provides farm, rural home, and land loans to more than 2,500 farmers and rural residents across North Carolina as part of the Farm Credit System.
- Ownership category
- akta.pro rank
Cape Fear Farm Credit industry classification
Industry- Product category
- Agricultural Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)
- akta.pro secondary industry
- Agricultural & Rural Development Banks (FSABAKAE)
Keywords
Where Cape Fear Farm Credit is headquartered
LocationHeadquarters
- HQ city
- Fayetteville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Cape Fear Farm Credit business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Distribution channels4 records
Marketing channels7 records
Cape Fear Farm Credit product offering
Product offeringCore offering
Cape Fear Farm Credit is a member-owned agricultural lending cooperative that provides loans, leases, and insurance to farmers, rural landowners, and rural residents across North Carolina. Its core offerings include farm operating, livestock, equipment, and farm improvement loans, as well as construction, rural home, farm land, and rural land loans, supplemented by leasing, insurance, digital banking, and the AgBiz educational program for young, beginning, and small farmers.
Product overview
AgCarolina Farm Credit offers a comprehensive suite of agricultural and rural lending products organized across four core loan categories: Farm Loans (operating, livestock, equipment, and improvement loans), Home Loans (construction and rural home financing), and Land Loans (farm and rural land purchases). Additional services include leasing, insurance, and digital account management tools. The company also provides specialized support for Young, Beginning, and Small Farmers through an educational program (AgBiz Courses including AgBiz Basics and AgBiz Planner) plus community support initiatives. Digital services include an online banking platform, mobile app (iOS/Android), budget calculator, and weather reports. The product portfolio is characterized by a unified lending focus with add-on financial services and educational resources targeting farmers and rural residents across 46 counties in central, eastern, and southeastern North Carolina.
Differentiator
Problem solved
Functional benefit
Products and services
- Farm Operating Loans Short-term financing for day-to-day farm operations including seed, fertilizer, feed, and other operational expenses for farmers and agricultural operations.
- Livestock Loans Financing for purchasing and maintaining livestock for agricultural operations.
- Equipment Loans Financing for agricultural equipment including tractors, combines, and other farm machinery.
- Farm Improvement Loans Financing for improvements to farm property including facilities, structures, and infrastructure upgrades.
- Construction Loans Financing for building new rural homes and agricultural structures, available to both farmers and non-farmers.
- Rural Home Loans Financing for purchasing or refinancing homes in rural areas, available to non-farmers as well as farmers.
- Farm Land Loans Financing specifically for purchasing agricultural farmland.
- Rural Land Loans Financing for purchasing rural land for recreation, relaxation, or non-farm purposes.
- Young, Beginning, and Small Farmers Program Specialized lending program and educational resources supporting new and small-scale farmers at every stage of their agricultural journey.
- AgBiz Courses Online educational courses including AgBiz Basics and AgBiz Planner designed to support Young, Beginning, and Veteran farmers with practical tools, business insight, and real-world guidance. Completion includes invitation to an exclusive in-person leadership conference.
- Leasing Equipment and property leasing options for agricultural operations.
- Insurance Insurance products for farms and rural properties.
- Digital Banking and Account Management Online and mobile tools for managing loan accounts, payments, statements, and transactions, available via web platform and iOS/Android mobile applications.
Companies that use Cape Fear Farm Credit
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Cape Fear Farm Credit technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cape Fear Farm Credit partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights3 records
Cape Fear Farm Credit competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Cape Fear Farm Credit social profiles
Digital presenceCape Fear Farm Credit compliance and trust
Trust signalCompliance1 record
Cape Fear Farm Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cape Fear Farm Credit leadership team
Management profileNumber of profiles
Cape Fear Farm Credit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cape Fear Farm Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cape Fear Farm Credit
What does Cape Fear Farm Credit do?
Cape Fear Farm Credit is a member-owned agricultural lending cooperative that provides loans, leases, and insurance to farmers, rural landowners, and rural residents across North Carolina. Its core offerings include farm operating, livestock, equipment, and farm improvement loans, as well as construction, rural home, farm land, and rural land loans, supplemented by leasing, insurance, digital banking, and the AgBiz educational program for young, beginning, and small farmers.
Is Cape Fear Farm Credit a public or private company?
Cape Fear Farm Credit is a private company. It is classified as management employee owned and is currently operating.
When was Cape Fear Farm Credit founded?
Cape Fear Farm Credit was founded in 1916. It employs 51 to 100 people.
Where is Cape Fear Farm Credit based?
Cape Fear Farm Credit is headquartered in Fayetteville, United States, in the North America region.
Does Cape Fear Farm Credit have an API?
No public API is recorded for Cape Fear Farm Credit.
What industry is Cape Fear Farm Credit in?
Cape Fear Farm Credit's product category is Agricultural Lending. Its primary akta.pro industry code is FSABAEAG, Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks), with a secondary code of FSABAKAE, Agricultural & Rural Development Banks. Its NAICS code is 522 and its SIC code is 6111.