DNCU - Agribusiness Solutions

Canada Small Business Financing Program

Need financing to establish or expand a business? The CSBFP is a government program designed to help you access it.

Learn more

Home-grown support

Don’t rely on support from a distance. Our advisors live in your community so they’re up to speed and ready to help.

Accelerated local approvals

Go from first conversation to the right solution fast because we’re based locally and our approvals happen here.

Speaking your language

Partner with a team that talks your talk. Our advisors specialize in agriculture and some have even worked on farms.

In-depth advice

Get more than products. We really crunch the numbers to see what makes sense for your farm now and into the future.

Customized care

Work with your advisor however suits you best – be that over the phone, via text or face-to-face on your farm.

Mortgages
Loans

NEW Ag Flex Mortgage

Put the equity of your Farmland to work for you with this new option for flexible borrowing at low rates!

Access up to 75% of your land value
No need to re-apply or re-qualify for future borrowing, saving you mortgage registration and refinance fees over time
Split your total mortgage into sub loans for your various borrowing needs
Each sub loan can be set with different rates and payment terms allowing you to track certain borrowings separately from others
Repayment plans to suit your needs
Options for a fixed or variable interest rate
Up to 25 years to repay

Contact your Advisor for more details on this great new product!

Want to explore this option on your residence? See our Residential Flex Mortgage!

Closed Mortgage

The ideal mortgage for agriculture businesses that want to pay off their land faster, while enjoying peace of mind that their interest rate won’t change during the mortgage term.

Fixed interest rate
Pre-pay up to 20% of the original mortgage amount annually
Option to increase principal and interest payments by up to 20% while the mortgage is in a fixed term
Down payment as low as 25% of the land’s value
Up to 25 years to repay

Open Mortgage

The ideal mortgage for agriculture businesses that want the freedom to make unlimited payments towards their mortgage at any time without penalty.

Down payment as low as 25% of the land’s value
Options for a fixed or variable interest rate
Up to 15 years to repay if financing through the Canada Agriculture Loan Act (CALA)
Up to 25 years to repay otherwise

Equipment Loan

The ideal loan for agriculture businesses looking to buy new or used equipment and vehicles.

Finance up to 75% of the purchase price
Up to 7 years to repay
Equipment leasing also available

Operating Loan

The ideal loan for agriculture businesses that need short-term financing for receivables, inventory, inputs or cash flow needs.

Option to make interest-only payments
Up to 12 months to repay

Canada Agriculture Loan Act (CALA) Loan

The ideal loan for agriculture businesses looking to establish, expand or improve their farming operation. This government program is designed to help you access the financing you need.

Available for the purchase of livestock, land or equipment
Finance up to 80% of the purchase price
Up to 10 years to repay for equipment and livestock purchases
Up to 15 years to repay for land purchases

AgriInvest Account

The ideal savings account for agriculture businesses that want protection from unexpected income declines and support for their investments. This government program matches your contributions to help you set aside an emergency fund.

Deposit up to 100% of your Allowable Net Sales annually
1% of your annual deposits is matched by the federal and provincial government
Withdraw money at any time to cover small margin declines or for other investments to reinforce your income