Private Credit
for Agriculture

Fueling Growth. Protecting Legacies. Creating Opportunity.

We help farmers and ranchers make smart financial decisions so they can focus on what matters most—working the land and building their legacy.

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.

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 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.

  • 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.