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:

$200,000 (USD)

6 months before harvest
Asparagus grower
Region:
Northeast Mexico
Use of funds:
Land Preparation, & Seeds
Funding Amount:

$1,000,000 (USD)

8 months before harvest
Green Bean grower
Region:
Northwest Mexico
Use of funds:
Land Preparation
Funding Amount:

$600,000 (USD)

10 months before harvest
Strawberry grower
Region:
Southwest Mexico
Use of funds:
Seeds, Payroll, & Land Preparation
Funding Amount:

$800,000 (USD)

10 months before harvest
Tomato grower
Region:
Northwest Mexico
Use of funds:
Land Preparation & Greenhouse Maintenance
Funding Amount:

$2,000,000 (USD)

2 months before harvest
Tomato, Cucumber
Region:
Northwest Mexico
Use of funds:
Seeds, Agrochemicals, Payroll
Funding Amount:

$700,000 (USD)

4 months before harvest
Strawberry
Region:
Central California
Use of funds:
Plantlings, Land Preparation
Funding Amount:

$1,000,000 (USD)

6 months before harvest
Strawberry
Region:
Central Mexico
Use of funds:
Land Preparation, Plantlings, Agrochemicals
Funding Amount:

$3,000,000 (USD)

6 months before harvest
Melon
Region:
Guatemala
Use of funds:
Seeds, Agrochemical, Payroll
Funding Amount:

$300,000 (USD)

3 months before harvest
Bell Pepper, Broccoli, Celery
Region:
Central Mexico
Use of funds:
Seeds, Labor, Agrochemicals, Land Preparation
Funding Amount:

$500,000 (USD)

7 months before harvest
Strawberry
Region:
Southern Mexico
Use of funds:
Plantlings, Source Product
Funding Amount:

$1,200,000 (USD)

5 months before harvest
Hot Pepper and Bell Pepper
Region:
Western Mexico
Use of funds:
Seeds, Land Preparation
Funding Amount:

$215,000 (USD)

2 months before harvest
Squash
Region:
Central Mexico
Use of funds:
Land Preparation, Agrochemicals
Funding Amount:

$500,000 (USD)

7 months before harvest
Blueberry, Blackberry
Region:
Southern Mexico
Use of funds:
Plantlings, Agrochemicals, Labor
Funding Amount:

$500,000 (USD)

3 months before harvest
Tomato, Cucumber, Watermelon
Region:
Western Mexico
Use of funds:
Greenhouse Improvements, Seeds, Agrochemicals
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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