As the 2026 farming season approaches, many Ontario farmers and rural landowners are preparing for higher input costs, tighter bank lending, and the need for fast, flexible capital.
Whether you’re planning spring planting, upgrading equipment, consolidating debt, or managing cash flow between harvests, Farmer Loans from Lendworth provide an alternative to traditional bank farm financing — based on land equity, not income statements.
Why 2026 Is a Critical Year for Farm Financing
Heading into 2026, farmers across Ontario are facing:
Rising equipment and repair costs
Higher interest rates and stricter bank underwriting
Seasonal and irregular farm income
Increased property tax and CRA pressure
Delays or declines in traditional farm credit approvals
Banks often require multi-year financials, strong debt-service ratios, and long approval timelines — conditions that don’t reflect how farming actually works.
That’s where private, equity-based Farmer Loans come in.
What Are Farmer Loans?
Farmer Loans are property-backed loans secured against:
Farmland
Cash-crop land
Livestock farms
Hobby farms
Acreage with residence
Rural and mixed-use agricultural properties
At Lendworth, approvals are based primarily on:
✔ Land value
✔ Equity position
✔ Property location and marketability
—not crop yields, T1 Generals, or seasonal income volatility.
Common Uses for Farmer Loans in 2026
Ontario farmers are using equity-based loans to:
Purchase or repair farm equipment
Cover spring planting and operating expenses
Refinance high-interest farm or private debt
Pay CRA, property tax, or arrears
Buy out family members or partners
Acquire additional land or consolidate parcels
Bridge financing between sales or refinancing
Why Farmers Choose Lendworth
Equity-Based Approvals
We lend based on the value of your land — not rigid bank ratios.
Fast Decisions & Funding
Many files fund in 24–48 hours once appraisal and legal steps are complete.
Flexible Structures
First mortgages, second mortgages, and short-term bridge loans available.
Credit Challenges Accepted
Past credit issues or aggressive tax write-offs are not automatic declines.
Who Should Apply Now
You should speak with Lendworth before the 2026 season if you:
Own farmland or rural property in Ontario
Have 20–30%+ equity
Are self-employed with seasonal income
Are facing upcoming expenses or refinancing needs
Want certainty before planting season begins
Applying early gives you leverage, options, and peace of mind before peak demand hits.
Don’t Wait Until the Season Starts
Once spring arrives, lenders get busy, appraisers book up, and timelines stretch.
Lock in your financing now so you can focus on your operation — not paperwork.
Call Lendworth Today
If your farm or rural property has equity, we can help.
👉 Call now or apply online to secure Farmer Loan financing for the 2026 season.
Fast. Private. Equity-based.
Lendworth — financing built for real Ontario farmers.