Financing designed for fresh produce growers

Pre-harvest grower financing without using land as collateral, with funding in under 2 weeks.
Or call +1 (424) 377–4712

Why our financing is different

Unlike a traditional bank loan, our pre-harvest financing is specifically designed for fresh produce growers.
  • HIGHER FUNDING AMOUNTS - From $200K to $5MM USD per growing season
  • NO LAND COLLATERAL REQUIRED - No need to sign away your family farm
  • FAST TURNAROUND - Get quoted tomorrow and financed in under 2 weeks
  • RECEIVE FUNDING WHEN YOU NEED IT - We fund you up to 9 months before your harvest
  • PAY US BACK ONCE YOUR PRODUCT SHIPS - No payments required before you begin to ship
  • FLEXIBLE EVALUATION PROCESS - We work closely with each grower to accommodate your specific financial needs

How it works

Pre-Season funding explained in 5 easy steps

Financing

  • ProducePay funds Grower up to 12 months before start of harvest

Growing

  • num2 Crop growth and maintenance period

Harvest

  • num3 Grower ships crops to Distributor
  • num4 Distributor sells crops and pays ProducePay
  • num4 ProducePay keeps a portion of the funds to cover financing and sends the remaining money to Grower
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Financing

ProducePay funds Grower up to 12
months before start of harvest

Growing

  • num2 Crop growth and maintenance period

Harvest

  • num3 Grower ships crops to Distributor
  • num4 Distributor sells crops and pays ProducePay
  • num4 ProducePay keeps a portion of the funds to cover financing and sends the remaining money to Grower

Our customers

We invest in hundreds of growers who export fresh fruits and vegetables
Funding Amount:

$2,500,000 (USD)

2 months before harvest
Tomato, Cucumber, Bell Pepper
Region:
Northwest Mexico
Use of funds:
Seeds, Carton, Land Prep, Chemicals, Labor
Funding Amount:

$580,000 (USD)

4 months before harvest
Tomato, Cucumber
Region:
Northwest Mexico
Use of funds:
Seeds, Carton, Land Prep, Chemicals, Labor
Funding Amount:

$1,100,000 (USD)

7 months before harvest
Tomato
Region:
Western Mexico
Use of funds:
Plants, Fertilizers, Labor
Funding Amount:

$2,500,000 (USD)

3 months before harvest
Tomato, Cucumber, Bell Pepper, Berries
Region:
Northwest Mexico
Use of funds:
Seeds, Plants, Irritation Equipment
Funding Amount:

$587,500 (USD)

5 months before harvest
Watermelon
Region:
Southeast USA
Use of funds:
Land rent, Land Prep, Seeds, Labor
Funding Amount:

$2,000,000 (USD)

7 months before harvest
Tomato, Berries
Region:
Central Mexico
Use of funds:
Greenhouses, Irrigation Equipment, Plants
Funding Amount:

$1,200,000 (USD)

3 months before harvest
Tomato, Cucumber
Region:
Western Mexico
Use of funds:
Seeds, Land Prep, Labor
Funding Amount:

$8,500,000 (USD)

4 months before harvest
Asparagus, Grapes
Region:
Northwest Mexico
Use of funds:
Working Capital
Funding Amount:

$165,000 (USD)

6 months before harvest
Bell Pepper
Region:
Northwest Mexico
Use of funds:
Seeds, Carton, Land Prep, Chemicals, Labor
Funding Amount:

$500,000 (USD)

2 months before harvest
Berries
Region:
Central Mexico
Use of funds:
Source Product, Plants
Funding Amount:

$375,000 (USD)

3 months before harvest
Watermelon
Region:
Central Mexico
Use of funds:
Land rent, Land Prep, Seeds, Labor
Funding Amount:

$500,000 (USD)

7 months before harvest
Watermelon
Region:
Central Mexico
Use of funds:
Land rent, Land Prep, Seeds, Labor
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A trusted supply chain

Our customers ship to distributors such as

Additional benefits

No land for collateral

With no need to pledge land as collateral, our growers typically leverage our financing to expand into new production.

Super fast evaluation

We can evaluate your application and approve financing up to $5mm USD in days, not months. No notarized documents required – submit documents securely online.

Full PACA compliance

All of our customers receive full PACA protection under US law to help protect their returns from unwarranted deductions or non-payment. We transparently track the sales of all crop shipments in our online platform.

Hefty pre-harvest funding

With season-long financing that can be sent to you at the start of your season for expenses like seed, our financing has a longer duration and is much more substantial than factoring.

Ship today, cash out today

ProducePay Pick & Pack Financing

During harvest, we can add on additional financing for up to 80% of the value of each shipment the same day it crosses into the United States – even for consignment sales.

Get a free quote today