Financing for farms

Do you need a loan for your farm?

How to apply for financing for your farm

Apply for financing easily online. Applying does not obligate you to accept the loan - we will help you find the best solution for your farm operation. 

How to apply online

  1. Complete the financing application at op.fi. You can use IDs granted by OP or another bank to verify your identity in the service.
  2. Our experts will get in touch with you within a few weekdays. When processing your application, we will assess your farm operation’s creditworthiness and map out a solution that meets your needs. 
  3. We will calculate the best financing solution for your situation and give our loan offer for your farm.

Remember to include any necessary attachments

You need to include the following attachments in your application. Be sure to add all necessary attachments to speed up the processing of your application.

Farms operated as a company or partnership  

Latest official financial statements and auditors’ report. If more than six months have passed since the last financial statements, you must also attach a snapshot of the company’s accounts, or interim financial statements. 

  • If you are applying for a loan for larger expenditures or a change of ownership, you will also need a business plan prepared by a third party as well as profitability and liquidity assessments. 
  • Your monthly cash budget and information about the farm’s production volumes and numbers of contracts are also helpful when processing the application. 

Agricultural operators and consortiums 

  • Your latest tax return for agricultural operations and a list of outstanding loans. You can print out the list from your accounting software. If the last financial statements are more than six months old, you should also include interim financial statements. 
  • Analysis of the farm’s financial performance. If you have not yet submitted the farm financial analysis required for your application, you can do so by logging in at op.fi. ​


Learn more about the farm financial analysis

  • If you are applying for a loan for larger expenditures or a transfer of the farm to the next generation, you will also need a business plan prepared by a third party as well as profitability and liquidity assessments. 
  • Your monthly cash budget and information about the farm’s production volumes and numbers of contracts are also helpful when processing the application.