Business Details
34 Years
experience
Trusted Agricultural Loan Solutions in Ontario
Agriculture Credit (ACC) has been a trusted provider of agricultural financing solutions since its founding in 1992. Established by a coalition of farm organizations, we operate as a not-for-profit entity dedicated to supporting Canadian producers through low-cost operating loans. Our board comprises farmers with extensive industry experience, ensuring our services align with the practical needs of agricultural businesses. We specialize in administering government-backed programs like the Advance Payments Program (APP) and Commodity Loan Program (CLP), which provide critical cash flow support for crop production, livestock management, and commodity storage. With over $3 billion in operating funds distributed to date, our expertise spans loan origination, credit review, and compliance with federal guarantee parameters.We offer financing for over 4,000 commodities across Canada, with tailored solutions for grains, oilseeds, vegetables, livestock, and specialty crops. Our multi-year application process simplifies access to interest-free advances, while our storage component allows producers to optimize marketing timelines. Through strategic partnerships with producer associations and marketing boards, we maintain deep sector knowledge. Our commitment to innovation is reflected in digital tools like our Producer Portal for streamlined account management. As a leader in agricultural finance, we combine decades of experience with technology-driven solutions to empower farmers nationwide.
Services
Agricultural Loans
Advance Payments Program
Commodity Loan Program
Ginseng Storage Loan
Operating Capital Financing
Details
- Year established: 1992
Highlights and features
- We have provided over $3 billion in agricultural financing since 1992
- Our board members are active farmers with industry expertise
- We offer interest-free advances up to $250,000 through government programs
- We support 4,000+ agricultural commodities nationwide
- Our multi-year application process simplifies financing access
What people say
Smooth application process
Dramatically reduced debt
Timely professional advice
Maximize financial bottom line
Convenient borrowing process
Services
Advance Payments Program
The Advance Payments Program (APP) provides government-guaranteed cash advances for agricultural producers. This program allows farmers to access up to $1,000,000 in financing for over 4,000 commodities including grains, oilseeds, vegetables, and livestock. With the first $250,000 interest-free and flexible repayment terms tied to crop marketing cycles, the APP helps producers manage cash flow while optimizing market opportunities through strategic timing of product sales.
Commodity Loan Program
The Commodity Loan Program (CLP) offers operating capital for crop production in Ontario. This program provides up to $750,000 at Prime Interest Rate for planting, cultivating, and harvesting expenses. With 22-month repayment terms and eligibility for farm-fed components, the CLP supports Ontario producers in maintaining consistent cash flow throughout their production cycles while meeting specific agricultural operational requirements.
Ginseng Storage Loan
The Ginseng Storage Loan Guarantee Pilot Program provides financing for Ontario ginseng producers. This program offers up to $1,000,000 at Prime Interest Rate for stored ginseng inventory. With 24-month financing terms and loan calculations based on stored product quantity, this program enables ginseng farmers to maintain cash flow while waiting for optimal market conditions to sell their harvested crops.
Operating Capital Financing
Our operating capital financing solutions support agricultural producers across Canada. These loans cover crop inputs, livestock management, and production expenses with flexible terms matching various agricultural cycles. Through multiple loan programs, we provide financing up to $1,000,000 with repayment periods ranging from 18 to 24 months, tailored to specific commodity production and marketing timelines.
Multi-Year Financing
Our multi-year financing options simplify agricultural loan management through extended application processes. These programs allow producers to plan cash flow across multiple growing seasons with consolidated applications and streamlined documentation requirements. By eliminating annual reapplication for eligible producers, we reduce administrative burdens while maintaining access to competitive interest rates and government-backed financing benefits.
People
Jaye Atkins
Chief Executive Officer
Jaye Atkins leads Agriculture Credit with strategic vision for agricultural financing solutions. With extensive experience in farm credit systems, she drives innovation in loan programs while maintaining ACC's mission to empower agricultural producers through technology and relationship-based financial services.
Questions
Can I apply for multiple loan programs with ACC?
Yes, eligible producers can access multiple programs (APP, CLP, GSLGPP) with different commodities, potentially doubling available funds through strategic program combinations.
What administrative fees apply to ACC loan programs?
Fees cover credit checks, lien searches, registration, and compliance services, with no additional charges beyond standard program terms.
How long does application processing take?
Complete applications typically process within 10-14 business days when all required documentation is submitted accurately.
When should I repay my Advance Payments Program loan?
Repayment is required within 30 days of first sale or program deadline, with proof of sale documentation required after January 31 for storable commodities.
How do I make loan repayments?
Repayments can be made through pre-authorized payments, online banking with major Canadian institutions, or direct contact with our repayment department.
What products qualify for financing?
Over 4,000 commodities qualify across Canada, including grains, oilseeds, vegetables, livestock, and specialty crops like ginseng in specific programs.
