USA AG Finance
Grow and build. We will finance everything in between.
Simple financing built for serious operators
Building a high performance facility takes capital. We make it simple to fund equipment, construction, and seasonal needs so you can focus on production. Apply online, get a clear offer, and move your project forward.
What we finance
Operating lines of credit
Working capital that matches your season and cash flow. Cover inputs, labor, utilities, rents, and inventory. Draw when you need it. Pay it down as revenue comes in.
Equipment financing
Spread the cost of major gear. Lighting, HVAC, dehumidifiers, fertigation systems, benches, racking, filtration, pumps, and controls. Flexible terms and options for little to nothing down for qualified buyers.
Construction and build projects
Fund site work, structural build, interior finishes, and systems prep. Pair this with our Installation and Construction services for one smooth plan from precon to handoff.
Land and real estate
Buy new property, refinance an existing parcel, or improve your site with storage, utilities, and access upgrades.
Sustainability incentives
Ask about interest incentives for verified soil health or energy upgrades. We reward practices that cut waste and improve yield quality.
Why finance with USA AG
Ag first
We know grow rooms, greenhouses, and processing spaces. Your plan will reflect the real work on the ground.
Frictionless process
Fast applications. Clear terms. No surprise fees.
Built to integrate
Finance is designed to align with Installation and Construction. One plan. One timeline. Fewer delays.
Vendor neutral
Use the brands you want. We help you build the right mix for performance and budget.
Compliance aware
Our scopes and draw schedules align with inspections and milestones so funds are ready when you need them.
How it works
Share the plan
Tell us your goals, timing, and budget. Send a layout or bill of materials if you have one.
Get a tailored offer
We match you with the best product and terms for your project and cash flow.
Close and deploy
We fund against milestones or invoices. Your project and purchases stay on schedule.
Operate and optimize
Make draws as needed. Pay down on terms that fit your cycle.
Typical terms and options
Operating lines with revolving access
Equipment loans with fixed payments and simple payoff
Construction draws tied to verified milestones
Real estate terms for purchase, refinance, or improvements
All credit offers subject to approval and verification. Terms vary by state, business profile, and collateral.
What you may need to provide
We keep documentation light and focused on what matters.
Basic company info and ownership
Recent bank statements and tax returns
Equipment quotes or a bill of materials
Construction scope and schedule if applicable
Rent roll or property info for real estate requests
Designed to work with your project
Construction
Fund framing, finishes, and MEP prep. We coordinate with your GC and inspectors.
Installation
Fund lighting, HVAC, fertigation, and benches. We align funding with delivery and install dates.
Procurement
Lock pricing, place orders, and avoid stockouts on critical gear.
Common use cases
Upgrade legacy rooms to high efficiency LED and modern climate control
Add fertigation with dosers, injection, and filtration to scale production
Build new flowering rooms and drying capacity to increase throughput
Consolidate vendor invoices into one predictable payment plan
FAQs
How fast can I get a decision?
Most operating line decisions are fast once we have your docs. Equipment, construction, and real estate decisions can take longer based on scope.
Do I need to use specific brands?
No. We are vendor neutral and help you choose the right mix for your goals.
Can funds be used for both equipment and construction?
Yes. We can structure blended solutions that match your phases.
What about rebates and incentives?
We help you stack utility rebates and energy incentives with your financing to lower total cost.
Ready to move your project forward?
Get a custom quote and a simple plan that fits your budget and timeline.
Disclaimer. All financing is subject to credit approval and verification. Terms and availability vary by state and program. This page is for informational purposes only and does not constitute a commitment to lend.