Farm Loans
Financing farm properties through traditional banks can be slow, restrictive, and heavily dependent on income statements and stress tests that don’t reflect real farming operations.
Lendworth for Farm Loans
Common-sense, asset-based financing.
Rates starting from 10.99%
Fast approvals — 24 to 48 hours
Flexible terms (6–24 months)
We lend on rural, agricultural, and farm properties
Low documentation requirements
No credit score minimum
No income proof required
Ontario-wide (GTA, Vaughan, Toronto, York Region prioritized)
We understand farm land value — and we fund it quickly.
What Is a Farm Loan?
A farm loan allows you to borrow against:
Working farms
Cash-crop land
Livestock farms
Hobby farms
Rural acreage with residence
Mixed-use agricultural properties
Farm Loans are typically short-term, equity-based mortgages designed to help you buy, refinance, hold, improve, or stabilize a farm property without bank delays.
How Much Can I Borrow?
Based on equity, zoning, location, and liquidity.
Loan Amounts: $50,000 – $5,000,000+
LTV: Typically 40–65% depending on land type & location
Rates: Starting at 10.99%
Terms: 6–24 months
Property Types: Farms, farmland, rural acreage, mixed-use agricultural land
Prime markets like GTA, Vaughan, Toronto, York Region qualify for maximum leverage.
Our lending criteria
Clear and realistic.
Marketable farmland or rural property
Zoning and intended agricultural use reviewed
Higher LTVs for serviced or improved properties
Location plays a key role (GTA strongest)
Appraisal or valuation required
Credit score not a major factor
No income stress test
Exit strategy required (sale, refinance, construction financing)
If the land is good, approval is fast.
Trusted by Ontario Farmers Who Need Fast, Flexible Mortgage Solutions.
Lendworth makes it fast, simple, and stress-free.
Top Farm Loan questions answered
Lendworth is a direct private mortgage lender.
We finance working farms, farmland, hobby farms, rural acreage, and mixed-use agricultural properties.
Yes. Approvals are primarily equity-based.
Many files are approved within 24–48 hours once property details are reviewed.
Typically 40–65% LTV depending on property type, location, and liquidity.
Operating capital, refinancing, land purchases, taxes, buyouts, and short-term bridge needs.
More Loan Products We Offer
Explore more of our loan options below and find the one that best fits your needs.
Whether you’re exploring first mortgages, looking to tap additional equity through a second mortgage, or preparing for a new property with a purchase mortgage, Lendworth offers fast, flexible solutions for every situation. Homeowners who want to lower payments often choose a refinance, while those needing revolving access to funds may benefit from a home equity line of credit (HELOC). If you're buying before selling, our bridge loans provide seamless short-term financing, and borrowers with unique properties can take advantage of specialized land loans. For major renovations or new builds, our construction loans offer staged funding designed to keep your project moving without delay.
Mortgage Solutions We Offer
We have a solution built around your home equity and your goals.
Whether you need fast access to equity through private lending, flexible solutions designed for self-employed borrowers, or a clear path to debt consolidation, Lendworth provides efficient, borrower-focused options for every situation. Homeowners facing urgent timelines can rely on our support to stop power of sale, manage mortgage arrears, or secure specialized probate and estate loans during challenging transitions. When unexpected expenses arise, our emergency loans offer rapid funding, and clients navigating separation can benefit from our tailored divorce buyout loans that help preserve stability and protect their homeownership goals. Check our FAQs for more information.
Why Borrowers Trust Lendworth
We are a GTA-based private mortgage lender committed to transparency, fast turnaround, and strong investor-backed lending. Our approvals rely on real-world property values, ensuring you receive a fair and accurate offer every time.
Backed by Lendworth MIC’s disciplined underwriting process, we focus on capital preservation, efficient execution, and five-star service.