Browse Ambrook’s collection of funding programs by Mad Agriculture

There is no application form and no public application round. Mad Capital is a private lender, and the only route it publishes is a conversation with an advisor: "Reach out to learn more about how we can help your farm." Eligibility, terms, and underwriting are all decided in that conversation — "Get CLEAR, CUSTOMIZED TERMS based on your unique operation or situation."

How to start: call or text 866-FARM-MAD (866-327-6623), or email HOWDY@MADCAPITAL.COM. The contact page at https://madcapital.com/about/contact lists exactly that and nothing more — "866-FARM-MAD  HOWDY@MADCAPITAL.COM  Call or text." Mad Capital is in Boulder, CO 80304. Note that https://madcapital.com/contact (without /about) returns 404, so use the full path.

A warning about the button. Do NOT rely on the "APPLY NOW" button under "Apply for a real estate or land loan today" on https://madcapital.com/loans/real-estate. It looks like the way in, but it is decorative: the anchor's link target is empty in the page source (it carries a bare href=''), so clicking it goes nowhere. Re-verified in the live page source on 2026-09-04. Use "Contact an Advisor" / "Contact Us" or the phone number instead.

Intake is continuous. No deadline, round, or closing date is published anywhere, and Mad Capital's homepage carries a "NOW ACCEPTING NEW FARMERS" banner. Read that banner carefully, though — it also appears on the Transition Loans page, and that product is not lending yet (see below).

What to bring: not published. Mad Capital posts no document checklist, no credit or debt-service standard, and no decision timeline. Expect a lender's normal diligence on your balance sheet, cash flow, collateral, and your organic or transition plan — that is simply not spelled out in advance. It does promise "QUICK TURNAROUND TIMES," noting "We understand that time is of the essence when making these real estate deals."

One thing to know before you call: this record is named for the Perennial Fund, but Mad Capital's site now presents four products — Transition Loans, Operating Loans, Real Estate & Land Loans, and Equipment & Infrastructure Loans — and the advisor route above is the same door for all of them. If what you actually want is transition financing, that product is not lending yet: "WAITLIST NOW OPEN … Sign up for our transition financing waitlist to be the first to know when it's live. First come, first served." Real estate and land loans are live.

Every farm and farmer face a different set of obstacles. When capital is the primary barrier, THERE ARE FEW SOLUTIONS TO HELP ORGANIC OR REGENERATIVE FARMERS SUCCESSFULLY ACCESS THE CAPITAL THEY NEED.


That’s why Mad Capital offers FLEXIBLE, CUSTOMIZED, AND TRANSPARENT REAL ESTATE AND LAND LOANS for farmers at all stages of their regenerative organic journey. Access capital from a mission-aligned and experienced team that will work to understand your expansion goals.



Every farm and farmer face a different set of obstacles. When capital is the primary barrier, THERE ARE FEW SOLUTIONS TO HELP ORGANIC OR REGENERATIVE FARMERS SUCCESSFULLY ACCESS THE CAPITAL THEY NEED.

That’s why Mad Capital offers FLEXIBLE, CUSTOMIZED, AND TRANSPARENT REAL ESTATE AND LAND LOANS for farmers at all stages of their regenerative organic journey. Access capital from a mission-aligned and experienced team that will work to understand your expansion goals.

Mad Capital publishes no eligibility criteria. This is a private, mission-driven lender, not a program with a rulebook — there is no application window, no scoring, and no posted qualifying test. Underwriting is done case by case with an advisor.

The only qualifier the site actually states is what kind of farmer it lends to: "FINANCING FOR REGENERATIVE RANCHERS & ORGANIC FARMERS," described as "The most flexible, transparent, and customized financing built exclusively for organic, regenerative, and transitioning farmers." You do not need to be certified already — the offer is aimed at "farmers at all stages of their regenerative organic journey." As of this writing the page says "Now accepting new farmers."

What the real-estate and land loan is for, which is the closest thing to a use test: acquiring adjacent land, converting more acres to organic or regenerative, funding a succession or retirement while preserving equity, cashing out equity to reinvest, buying land you currently lease, and lowering a down payment against existing equity.

What is NOT published anywhere: no state or regional restriction, no acreage minimum, no revenue floor or ceiling, no credit-score or debt-service threshold, no years-of-farming requirement, no ownership or tenure test, and no beginning, veteran, or socially disadvantaged audience restriction or priority. Expect a lender's normal diligence on your balance sheet, cash flow, and collateral regardless — that is simply not spelled out in advance.

Your next step, and a practical warning: the "APPLY NOW" button on the real-estate loan page currently links nowhere (its link target is empty), so use "Contact an Advisor" / the contact page or call 866-FARM-MAD (866-327-6623) instead. Eligibility will be assessed in that conversation.

A payment that must be returned to the provider following specified terms of repayment and interest rate.

Loan

Succession

HVAC

Lighting

Repairs

Buildings

Construction

Fencing

Greenhouse

High Tunnel

Irrigation

Storage

Weeds

Waste & Manure Management

Certified Organic

Feed

Pest Management

Seed

Training

Certification

Legal & Finance

Education

Inputs

Nutrient Management

Fertilizer

Infrastructure

Equipment

Marketing

Conservation

Research

Compliance

Waste & Compost

Water Management

Reach out to Brandon Welch at (312) 380-1411 or brandon@madagriculture.org to learn more and apply.

Brandon Welch

Flexible financing built for organic farmers. Mad Capital tailors loans to organic farmers who have unique needs, rotations, crops, and markets, that leave most lenders bewildered. Mad Capital helps you quickly and easily access financing that aligns with your farm and gets you to your financial goals faster.



Mad Capital provides flexible financing for regenerative ranchers and organic and transitioning farmers.

Organic farming

Carbon Capture

Certified Grassfed

Cover Crops

Soil Health

Reduced Tillage

Mad Capital publishes no loan sizes, interest rates, fees, amortization schedules, or term lengths anywhere on its site — every deal is quoted per farm after you talk to an advisor.

The only statements about terms are qualitative: "Get clear, customized terms based on your unique operation or situation. Competitive rates and longer terms than traditional lenders"; "Flexible, interest-only loans"; "Tailor fit the payment schedule of your loan to the cash flow of your farm with INTEREST-ONLY PAYMENT OPTIONS"; and "Secure capital with QUICK TURNAROUND TIMES."

Four products are listed — Transition Loans, Operating Loans ("Long term operating loans for regenerative organic farmers"), Real Estate & Land Loans, and Equipment & Infrastructure Loans — with no published minimum or maximum on any of them, and no stated match, equity, or down-payment requirement.

Practical read for a farmer: this is a relationship lender, not a posted-rate product. Expect a conversation with an advisor before you learn your rate or how much you can borrow, and expect the interest-only structure to be the main flexibility on offer. Intake is open — the transition-loan product is marked "Now accepting new farmers."

Wilding is currently an invitation/partnership pilot, not an open public application. Farmers and ranchers interested in future phases should contact Mad Agriculture.

Mad Agriculture General Information

Mad Agriculture's Wilding program provides market-aligned incentives to farmers and ranchers to convert marginal and subprofitable acres — where costs are high and yields are low — into biodiverse habitat (native prairie, pasture, savanna, silvopasture, or perennial systems), generating ecological value alongside economic value through ecosystem markets and improved farm performance. The long-term vision is to transform 65 million acres into biodiverse corridors over 50 years.



The program targets farmers and ranchers operating regenerative operations with marginal cropland available for conversion. Wilding operates as a partnership-based pilot model rather than an open public application; implementation occurs through strategic collaborations with mission-aligned partners and technical organizations.

A contract to sell an environmental outcome the operation produces - sequestered carbon, a water-quality credit, a habitat credit - to a buyer, rather than receiving an award. Payment is typically per unit (per acre or per ton CO2e) over a multi-year term and contingent on verification, so records using this instrument carry the payment.* and contract.* fields rather than award.min/award.max. Covers both credit-generating programs, where credits are sold to outside buyers, and supply-chain insetting programs, where a company the operation already sells to pays for the practice.

Environmental Market

Air Quality

Landscape

Regenerative

Wildlife & Pollinator Habitat

The current Wilding Pilot is a three-year effort in Southwest Wisconsin's Driftless Area to construct 1,000 acres of high-diversity prairie, pasture, and savanna on marginal cropland, strategically linking regenerative farms, public lands, and rights-of-way across the Lowery Creek watershed. Whole Foods Market leads a coalition of 20+ mission-aligned brands, plus ten technical partners.

Applications are closed. The Letter of Intent deadline was June 29, 2026, and the full application deadline was August 24, 2026.

Rayle Heinzig

Land & Business Project Manager

Mad Agriculture administers the on-ranch production portion of the National Bison Production & Marketing Grant (NBPMG). The program pairs competitive funding with technical assistance to support bison producers in improving their operations through grazing management, business planning, handling equipment, and regenerative practices. It is funded by the USDA Agricultural Marketing Service (AMS) Bison Production and Marketing Grant Program (BPMGP).



Eligible applicants are active bison producers (agricultural businesses, cooperatives, producer networks/associations), economic development corporations, local governments and nonprofit corporations, Federally Chartered Tribal Organizations and Tribal Governments, and for-profit entities primarily engaged in bison production. Individuals applying in a personal capacity are ineligible. Applicants must be based in the 50 states or U.S. territories with a valid UEI number.

A lump sum of money for a specific purpose that does not need to be paid back.

Grant

Total funding available is $1,120,000, with awards up to $80,000 each. Projects may run up to 22 months and must end by July 31, 2028, and include up to three complimentary one-hour technical assistance sessions.

List of Mad Agriculture Funding Opportunities