Answer: Moor Lending Group arranges agriculture equipment financing in Pomona for farms and ag-support businesses needing tractors, irrigation systems, harvesters, and land.
A fourth-generation citrus grower in the Ganesha Hills corridor just replaced two aging tractors and a diesel pump, but his local bank wanted three years of perfect tax returns and a 30 percent down payment he didn't have sitting idle during harvest season. That's the gap we close every month.
Answer: Agriculture operations in Pomona face seasonal cash flow, collateral appraisal delays, and lender unfamiliarity with niche equipment like drip-line systems or mobile packhouses. We broker solutions by pairing your balance sheet with ag-friendly lenders who understand crop cycles and the value of specialized machinery used across Spadra and Phillips Ranch.
Pomona sits at the eastern edge of Los Angeles County, where remnants of citrus, avocado, and nursery operations still operate alongside suburban growth. Lenders outside the region often misread these hybrid businesses or balk at equipment that doesn't fit a standard depreciation table. We translate your operation into loan language that underwrites.
Loan programs
Answer: SBA 7(a) loans work for multi-use purchases like tractors plus working capital; equipment financing covers harvesters, cold storage, and irrigation upgrades; USDA programs apply when you're buying farmland or need operating lines tied to crop production. We evaluate your immediate need, then present two or three lender options with transparent terms.
SBA 7(a) loans accommodate blended requests: a $180,000 package might cover a used combine, a delivery truck, and six months of payroll while your Hass avocados mature. Equipment financing isolates the asset, often requiring less documentation and faster approval when you need a single piece like a pivot irrigator or a diesel generator for a packing shed off Reservoir Street.
USDA agriculture loans and agriculture land purchase loans come into play when you're acquiring acreage or refinancing existing ground. We coordinate with USDA-approved lenders and handle the environmental, appraisal, and title layers so you're not juggling three consultants.
How it works
You send us last year's Schedule F, a equipment quote from your dealer, and a two-paragraph description of what you grow or process. We build the credit memo, chase the lender's supplemental requests, and keep your file moving while you're in the field. No branch appointments during business hours. No resubmitting the same tax return to four different portals.
For agriculture business loans that include real estate, say, ten acres with an existing packhouse near the old Pacific Electric right-of-way, we order the Phase I environmental and coordinate the appraisal so closings don't drift into the next quarter.
Serving the Pomona area
We know which lenders fund which kinds of Pomona businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
