Ryan Ellis
Agricultural landscape at dawn

Farm Financing
When You
Need It
Most

Specialized bridge loans to keep your operations running when FCC or banks need more time.
Private farm mortgages for Saskatchewan and PEI operations.

Step 1 of 3

Funding Amount

Custom private farm financing solutions.

$2,500,000
Minimum$500k
Maximum$15M+
Ryan Ellis, private farm mortgage broker, Saskatchewan and PEI

Practical Private Financing
for Working Farms

I'm Ryan Ellis, a licensed mortgage professional in Saskatchewan and Prince Edward Island. [One or two sentences about your farming or lending background.]

When FCC, your bank or your credit union can't fund a deal today, I arrange short-term private mortgages secured against your farmland and farm assets. The goal is always the same: keep you farming through the gap, then get you back to your regular lender as quickly as possible.

I work with active commercial operations: grain and oilseed, dairy, beef and other livestock, potatoes and vegetables, greenhouse, and tender and stone fruit.

"Practical financing that keeps you farming."

Common
Funding Scenarios

Keeping Saskatchewan and PEI farms financeable until they're back with their lender.

Operating Capital

A short-term private mortgage against your land to cover an operating shortfall through a seasonal gap or a tough year.

Expansion Plans

Bridge financing to acquire land or build infrastructure when your lender needs more time or more history.

Ownership Buyouts

Private mortgage financing for partner, shareholder, family or spousal buyouts so the operation stays intact.

Property Acquisition

Fast bridge financing to secure farmland when the seller's timeline doesn't match your lender's.

Claims & Loss

Bridge financing while crop insurance, AgriStability or other program payments are delayed.

Debt Consolidation

Consolidate high-cost or scattered debt into one short-term mortgage, then refinance back to conventional lending.

Common
Questions

Everything you need to know about our specialized agriculture mortgages.

Who is private agricultural financing for?
Active commercial farm operations in Saskatchewan and PEI with farmland or farm assets to secure against, who need financing that FCC, their bank or credit union can't provide right now. That includes grain, dairy, beef and other livestock, potato and vegetable, greenhouse, and fruit operations.
How quickly can I get funded?
It depends on appraisals, legal work and how quickly documents come together, but many deals close within [X–Y weeks] of a complete application.
What is the minimum and maximum loan amount?
Most files range from $500,000 to $15 million or more, depending on the equity in your land and farm assets.
Do I need a perfect credit score?
No. Private lenders focus mainly on the equity in your land and assets, the strength of your operation and a realistic exit plan. Credit is reviewed, but a less-than-perfect score doesn't automatically rule you out.
Is this a long-term solution?
No, and that's by design. Terms typically run [X to Y months]. We plan your exit back to FCC, a credit union or a bank from the first conversation.
What does private farm financing cost?
Private mortgages cost more than conventional lending, with higher interest rates plus lender, broker and legal fees. That's why we keep terms short and focus on getting you back to conventional rates.
What is an exit strategy?
It's the plan for repaying the private mortgage, usually by refinancing with your regular lender once the issue that caused the gap is resolved, or through a land sale or program payment.
Do you work with my existing lender?
Yes. Many of our clients are referred by their FCC, credit union or bank account manager, and we work to hand you back to them in a stronger position.

Our Funding Process

Fast, transparent, and direct.

Discovery

A 15-minute call to understand your needs.

Step 01

Submission

We package your application for our lender network.

Step 02

Approval

Receive a term sheet with clear conditions.

Step 03

Funding

Capital is deployed to close your deal.

Step 04

Exit

We plan your return to FCC, a credit union or a bank from day one.

Step 05

Ready To
Grow?

Let's talk about your next agricultural project. Call our direct line or fill out the form, and a specialist will be in touch within 24 hours.

Direct Contact

ryan@ryanellis.ca(306) 920-0146

Serving farms across Saskatchewan and Prince Edward Island