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Manage Cash Flow and Secure Vital Capital
Whether you want to update equipment, expand existing farm and ranching operations or purchase new land, RBC can help every step of the way.
- Solutions for new and established farms, ranches and agribusinesses
- Flexible and customizable products
- Options for interest rate protection
- Government-sponsored programs
What type of financing are you interested in?
Not sure where to start? An Agriculture Specialist can recommend what’s right for your business.
Equipment PurchaseLine
Get pre-approved and be ready to buy when you need equipment
- Choose from lease and term loan options
- Switch from variable to fixed rate, if desired
- Set up once and re-use credit as your balance is paid down
Farm Management Line of Credit
Buy land, finance operations and more using equity in your farm
- Combine financing products to meet your needs, including line of credit, term loan and mortgage
- Re-borrow without the need for a new credit approval
- Choose from a range of terms and rate options
Business OperatingLine of Credit
Access the working capital your business needs
- Credit lines start at $10,000
- Funds are available in your RBC business account immediately
- Access your credit line funds via your business account (at the ATM, in online/mobile banking and in branch)
RoyFarm Agriculture Mortgage
Term mortgage loan to expand, buy land and more
- Farm or land rental income must be at least $25,000
- Long amortization to fit your needs
- Schedule payments to match cash flow
Rural Estates Farm Mortgage
For properties zoned residential, rural, country residential or agricultural
- For owner-occupied properties with a single-family dwelling
- Property must have limited or no farming income (less than $25,000)
- Amortization up to 30 years
Canadian Agricultural Loans Act (CALA) Loan
Finance farm production, distribution and improvements
- Wide range of assets eligible for financing
- Up to 90% financing for beginning farmers1 and 80% financing for existing farmers
- Competitive rates and flexible payments
La Financière Agricole du Quebec (FADQ) Loan
For new or established farmers in Quebec
- Discount of 0.30% to 0.60% off loan interest rate
- Protection against interest rate hikes
- Options to help young producers get started
Equipment PurchaseLine
Get pre-approved and be ready to buy when you need equipment
- Choose from lease and term loan options
- Switch from variable to fixed rate, if desired
- Set up once and re-use credit as your balance is paid down
Farm Management Line of Credit
Buy land, finance operations and more using equity in your farm
- Combine financing products to meet your needs, including line of credit, term loan and mortgage
- Re-borrow without the need for a new credit approval
- Choose from a range of terms and rate options
Business OperatingLine of Credit
Access the working capital your business needs
- Credit lines start at $10,000
- Funds are available in your RBC business account immediately
- Access your credit line funds via your business account (at the ATM, in online/mobile banking and in branch)
RoyFarm Agriculture Mortgage
Term mortgage loan to expand, buy land and more
- Farm or land rental income must be at least $25,000
- Long amortization to fit your needs
- Schedule payments to match cash flow
Rural Estates Farm Mortgage
For properties zoned residential, rural, country residential or agricultural
- For owner-occupied properties with a single-family dwelling
- Property must have limited or no farming income (less than $25,000)
- Amortization up to 30 years
Canadian Agricultural Loans Act (CALA) Loan
Finance farm production, distribution and improvements
- Wide range of assets eligible for financing
- Up to 90% financing for beginning farmers1 and 80% financing for existing farmers
- Competitive rates and flexible payments
La Financière Agricole du Quebec (FADQ) Loan
For new or established farmers in Quebec
- Discount of 0.30% to 0.60% off loan interest rate
- Protection against interest rate hikes
- Options to help young producers get started
Additional Solutions for Farms and Agribusinesses
Explore banking, risk management, succession planning, advice and more for your business.
Agriculture Banking and Financial Solutions
Your Top Questions Answered
Start by speaking with an RBC Business Specialist, who can assess your needs and recommend the right financing for your business.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
The documentation you will need to provide varies by product, how long you have been in business and your industry. In general, some of the information you may need to provide, includes:
- Copies of your business registration/Incorporation documents
- Your business plan (if you’ve been in business less than 2 years)
- Your most recent tax return and notice of assessment
- Your most up-to-date financial statements
- Statements for any bank or investment accounts that are not held at RBC Royal Bank
Please speak with an RBC Business Specialist for details.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
We offer a wide range of loans and credit lines for businesses of all sizes. Eligibility requirements vary by product, how long you have been in business and your industry. The best step you can take is to speak with an RBC Business Specialist, who will assess your needs and help guide you through your financing options and the application process.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
In some cases, yes. The following products work in tandem with an RBC business chequing account:
- Business Overdraft Protection
- Business OperatingLine of Credit
- Canada Small Business Financing Line of Credit
Need an account? Explore our business accounts.
Speak to an Agriculture Specialist
No matter where you are in the process of cultivating your farm’s future, we’re here to help every step of the way.
Less than 10 employees:
More than 10 employees:
Beginning Farmer: “Farmer” who on the date of a CALA loan application, intends to be or has been, engaged in farming in Canada for less than 6 years. The Borrower must be able to prove that they have not earned farming income nor incurred farming-related expenses in one of the past six years by providing a tax return showing no farming income or expenses. For start-up “Farmers” the Borrower must provide a business plan demonstrating the intent to farm.