What EA Capital Management does

EA Capital Management is a private credit and direct lending firm founded in 2025 and headquartered in Cisco, Texas, focused on production agriculture and rural business sectors in the United States. The firm originates structured, asset-backed loans — secured by farmland, equipment, and inventory — to vetted borrowers sourced primarily from Empire Ag's network of Mastermind members and Empire Financial Services clients. Its primary investment vehicle is EA Fund I, LP, through which accredited investors access agriculture-backed lending opportunities, with investor reporting and documentation delivered through the Lendr client portal.

The company generates revenue from interest income and origination fees on its loan portfolio, with pricing negotiated deal-by-deal rather than on a published fee schedule. It serves two primary customer segments: agricultural producers and rural business operators on the borrower side, and accredited investors on the capital side. The firm is structured as EA Capital Management, LLC under Texas law, with no disclosed parent company, external institutional backers, or public funding rounds.

The firm is led by Founder/CEO Jonathon Haralson (also founder of Empire Ag, a sixth-generation farmer and former licensed commodities broker), Founder/COO Holly Haralson (a pharmacist who manages Grandview Farms), and Founder/CIO Sharon Beach (25+ years of leadership at Merck, plus prior co-founder experience raising $165M across seven private equity funds). The advisory board includes Cayla Holleman (USDA Rural Development and project finance expertise), Kristin Seal (operating partner for founders and family offices), and Trey Thomason (CIO of Masked Rider Capital, with $750M+ in prior asset management experience). No proprietary technology platform, AI capabilities, public pricing, or public financial disclosures are present in the available sources.

Name

EA Capital Management

Legal name

EA CAPITAL MANAGEMENT, LLC

Website

https://eacapitalmanagement.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

EA Capital Management is a 2025-founded Texas private credit firm that originates asset-backed loans to agricultural producers and rural businesses sourced from Empire Ag's vetted network, serving accredited investors through its EA Fund I, LP vehicle.

Ownership category

akta.pro rank

Product category

Agricultural Private Credit

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (522310), Other Financial Vehicles (52599), Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163), Miscellaneous Business Credit Institution (6159), Investment Advice (6282)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

akta.pro secondary industry

Asset-Based Lending (ABL) (FSANADAD)

Keywords

• Private credit lending
• Agricultural finance
• Direct lending
• Asset-backed loans
• Rural business lending

Headquarters

HQ city

Cisco

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, Infrastructure

Revenue model

1. Direct Lending Interest and Fees: EA Capital Management generates revenue through direct lending structured, asset-backed loans to vetted borrowers in agriculture and rural business sectors. Revenue is derived from interest income and origination fees on loans secured by tangible assets such as farmland, equipment, and inventory.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

EA Capital Management focuses on direct lending, delivering structured, asset-backed loans to vetted borrowers in agriculture and rural business sectors. The firm sources capital from accredited investors through its EA Fund I, LP vehicle and channels it into private credit opportunities secured by tangible assets such as farmland, equipment, and inventory. Investors access and monitor their positions through the Lendr client portal.

Product overview

EA Capital Management operates as a private credit and direct lending firm specializing in agriculture and rural business sectors. The company offers a single cohesive product line centered on asset-backed agricultural loans, accessed through its Lendr client portal platform. EA Fund I, LP represents the primary investment vehicle through which accredited investors participate in agriculture-backed lending opportunities. The firm bridges private capital with production agriculture through disciplined underwriting, data-informed strategy, and operational alignment.

Differentiator

Problem solved

Functional benefit

Products and services

• EA Capital Management Private Credit Services Direct lending services providing structured, asset-backed loans to vetted borrowers in agriculture and rural business sectors, with rigorous due diligence, active oversight, and loan terms matched to agricultural cash-flow cycles.
• Lendr Client Portal Client portal platform for EA Fund I, LP investors to access their lending dashboard, manage investments, and view account information related to EA Capital Management's agricultural credit offerings.
• EA Fund I, LP Investment fund focused on agriculture-based private credit and real-asset opportunities, managed by EA Capital Management to provide accredited investors access to agricultural lending.

Quantifiable outcome

• Direct lending enables expansion that works as planned with steady cash flow for agricultural operations

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor and core.

• Rural Gone Urban FoundationminorOthersEA Capital Management founder Jonathon Haralson was appointed to the Board of Directors for this 501(c)(3) nonprofit dedicated to supporting rural America through scholarships, small-business grants, and financial assistance for women facing cancer. The Foundation's mission aligns with EA Capital's values of strengthening rural communities.
• Association for Corporate Growth (ACG)coreGTM or Marketing PartnerEA Capital was a proud sponsor of the 2025 ACG Agriculture Conference: Fueling the Future, an annual event convening agribusiness leaders, investors, and policymakers. Jonathon Haralson joined a panel on Government Policy and Regulation in Agriculture and Bioenergy.
• Empire AgcoreStrategic or Co-development PartnerEA Capital Management is closely connected to Empire Ag, founded by Jonathon Haralson. Empire Ag provides the trusted network for borrower vetting (Mastermind members and Empire Financial Services clients) and shares the mission of connecting private investors with production agriculture opportunities.
• On Point Capital Group / On Point CorporationminorStrategic or Co-development PartnerCayla Holleman, advisory board member, serves as Co-Founder and Managing Director of Project Finance. Her expertise in multi-layered financing strategies blending government lending programs, tax credits, and private capital supports capital access for agricultural producers.
• Masked Rider Capital Holdings Co., LLCminorStrategic or Co-development PartnerTrey Thomason, advisory board member, serves as Chief Investment Officer. His experience in investment analysis, acquisitions, and management of assets brings strategic value to the EA Capital advisory board.
• Red Thread Group LLCminorStrategic or Co-development PartnerKristin Seal, advisory board member, founded Red Thread Group LLC and serves as an independent operating partner. Her expertise in aligning vision with execution and family legacy planning supports EA Capital's strategic direction.
• 20+ Financial InstitutionscoreStrategic or Co-development PartnerJonathon Haralson maintains ongoing relationships with more than 20 financial institutions across the United States, bringing deep understanding of credit structure, cash flow management, and evolving capital needs of rural enterprises to EA Capital's operations.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• FarmTogether: FarmTogether operates an investment platform offering private credit and equity opportunities in U.S. production agriculture to accredited investors, mirroring EA Capital's accredited-investor LP model.
• AcreTrader: AcreTrader provides a platform for accredited investors to access farmland and agricultural private credit opportunities, comparable in offering both asset-backed exposure and an LP-style investor portal.
• AgAmerica: AgAmerica is a direct private lender to U.S. farmers and ranchers, offering asset-backed loans secured by farmland, ranchland, and agricultural operations — directly comparable to EA Capital's product set and borrower base.

Broad incumbents

• Rabo AgriFinance: Rabo AgriFinance is a large-scale agricultural lender within Rabobank serving U.S. producers with operating, real estate, and equipment financing — a broader incumbent in the same asset-backed ag lending category EA Capital targets.
• MetLife Agricultural Investments: MetLife Agricultural Investments manages one of the largest institutional farmland portfolios in the U.S., providing debt and equity capital to agricultural operators — a broad incumbent in agricultural private credit and real-asset finance.
• Farm Credit System (CoBank): CoBank and the Farm Credit System are major regulated lenders to U.S. agriculture, providing operating and real-estate credit to producers and agribusinesses — the dominant incumbent that EA Capital's private credit offering partially displaces.

Others

• Avivar Capital: Avivar Capital is a specialty private credit firm investing in real-asset-backed opportunities; thematically adjacent to EA Capital's asset-backed ag credit thesis and serves as a comparable niche private credit manager.

Emerging players

• Peoples Company: Peoples Company is a farmland brokerage, management, and investment firm that also connects capital with production agriculture — comparable vertical integration of ag real-asset knowledge and investor access.
• Kubota Credit Corporation: Kubota Credit Corporation provides equipment financing for agricultural operators, comparable as a specialty asset-backed lender serving rural business and farm customers.
• AGCO Finance / AGCO Capital: AGCO Capital provides equipment financing solutions for agricultural producers, an adjacent specialty lender that competes for ag equipment-backed lending volume relevant to EA Capital's collateral mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 EA Capital Management