Indian Agricultural Program of Ontario (IAPO) – First Nations Farm and Business Financing (2021)


IAPO’s First Nations Farm and Business Financing offers financing products to serve the needs of First Nation agriculture. Loans are available for farms, agricultural related businesses as well as value added enterprises.

There are four types of loans:

  1. Term Loans – available for machinery, livestock, buildings, farm improvements and land;

  2. Operating Credit – lines of credit loans are available for input costs such as seed, feed and fertilizer;

  3. Tile Drainage Loans – for installing tile and drains on agricultural land;

  4. HerdBuilder Loans – cashflow for expanding beef herds.

Comments on Funding:

  1. Funding for Tile Drainage loans is available for 75% of project costs, to a maximum of $20,000 per year at 6%.
  2. Terms of repayment for Term Loans are determined individually for each loan based on the farm profitability and cash flow.
  3. Operating Credit Lines must revolve on a yearly basis. Special assignments and risk management tools are required with these loans.
  4. HerdBuilder loans support herd expansion with repayment terms that match the applicant’s cashflow whether retaining heifers or purchasing bred heifers and breeding stock. Sheep and goat producers are eligible as well.


Applicant must:

  • be involved in First Nation agriculture;
  • be farms, agricultural related businesses as well as value added enterprises;
  • be located in Ontario

Applications Steps:

Documentation Needed:

Applicants must develop a viable business plan and loan application, if applying for Term Loans.

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