Private Credit
for Agriculture

Fueling Growth. Protecting Legacies. Creating Opportunity.

We’ve spent years helping farmers and ranchers make smart financial decisions so they can focus on what matters most—working the land and building their legacy. With EA Capital Management, we’re taking that mission a step further, providing exclusive investment opportunities that align with the needs of our agricultural community and the future of rural business.

Our fund focuses on private direct lending, delivering structured, asset-backed loans directly to vetted borrowers in agriculture and rural business—sectors often overlooked by traditional lenders. By leveraging Empire Ag’s industry network and Empire Financial Services’ expertise, we minimize risk and maximize returns.

  • For Investors

    Agriculture is the backbone of the economy, yet access to capital remains a challenge for hardworking producers. EA Capital Management bridges this gap, providing direct lending opportunities to vetted, high-potential operations. Our exclusive private credit fund delivers stable, risk-managed returns while supporting the future of American agriculture.

    • Asset-backed investments in an essential industry
    • Strategic risk management for predictable returns
    • Exclusive access for Empire Financial Services clients & Mastermind members
    • A direct connection to agriculture’s strongest operators

  • For Farmers & Ranchers

    Traditional financing doesn’t always work for the speed and complexity of agriculture. Whether you’re expanding your operation, improving cash flow, or making strategic moves for the future, EA Capital Management is a financial partner who understands the realities of production ag.

    • Direct access to capital without traditional bank barriers
    • Flexible financing options designed for agriculture
    • Backed by industry experts who know your business
    • Built to help you grow, sustain, and protect your legacy

Ensuring Sound Investments

  • Borrower Vetting

    Exclusive to Empire Ag’s trusted network of agricultural and rural business operators: Mastermind members and Empire Financial Services Clients.

    In-depth assessment of financial history, operational track record, and management strength.

    Targeted default rates kept below industry average of 3.56% (private lending benchmark).

  • Collateral Evaluation

    Loans secured by tangible assets: farmland, equipment, inventory.

    Independent appraisals and market analysis ensure collateral exceeds loan value.

    U.S. farmland loans grew 9.7% annually (2023), underscoring asset stability.

  • Financial Underwriting

    Empire Financial Services conducts rigorous credit analysis: cash flow, debt capacity, repayment ability.

    Stress-tested scenarios account for commodity price volatility and seasonal risks.

    Tailored loan terms align borrower success with investor outcomes.

  • Ongoing Monitoring

    Regular performance reviews and site visits by our agricultural experts.

    Proactive adjustments to loan terms or exits if risks emerge.

    Clear exit strategies: repayment, refinancing, or asset liquidation.

Let’s work together.

Whether you’re an investor looking for a secure, high-return opportunity or a farmer/rancher ready to take the next step, EA Capital Management is your strategic partner.