Embedded financing: See it in action

Embedded financing is transforming how ag retailers and fintechs serve their customers. Farmers and producers get access to capital without confusion or delay. Retailers maintaining full brand control while simplifying the path to closing the sale. Everyone wins. 

What does seamless checkout look like in real life? 

We talked to three Agri-Access partners who shared how embedded financing changed how they do business. 

Here’s what embedded financing should feel like

When farmers use an agri-fintech platform, they want to know whether capital is available to them to close the sale and they want to act quickly. Embedded financing creates a smoother workflow at the point of sale than other solutions, and that’s where its value comes in.  

Jake Joraanstad, CEO of Bushel, experienced this firsthand after partnering with Agri-Access to integrate its API-driven embedded financing right onto its platform.  

“One of the biggest impacts for us has been simplifying the workflow for our customers. When the farmer learns that they can access these financial programs and do it online, right there within the platform, it’s a big deal. And the fun part is at the end of the process, when they see how easy it is to manage their capital in one place. They get pretty excited.”

Through Agri-Access, Bushel was able to fully embed financing capabilities into its retailer-facing tools. No redirects. No disjointed interfaces. Just a clean, connected experience. 

A partnership that grows with you

For startups building new ag financing solutions, finding a responsive capital partner with the capabilities to support an integrated experience can be a challenge.

But for Bank Barn — a platform that equips farmers to select and finance dairy equipment — Agri-Access proved to be the ideal fit.

“Every time I or one of our partners picks up the phone, there’s someone at Agri-Access ready to help,” said Scott Woodside, founder and CEO of Bank Barn. “The capital is incredibly competitive. The process from application through closing is very efficient. And the team wants to move with us as we build our technology. It’s a true partnership.”

What stood out most for Woodside was Agri-Access’s forward-thinking approach and how it helped his team scale by providing faster access to capital for equipment financing.

“We researched a lot of financial institutions,” he added. “Agri-Access was the most progressive and most willing to work with a startup like ours to bring something new into ag finance. We were able to leverage their expertise and capital to help farmers increase profitability and make their operations more future-ready.”

Proven results for retailers and platforms 

At AgVend, which provides a digital platform for ag retailers, embedded financing provided exactly what they needed to chart a path to growth.   

“What gets me most excited is that each year, more retailers decide to sign on with us,” said Tracey Lindo, Chief Commercial Officer. “That’s a direct result of how we’ve partnered with Agri-Access.”

Each year, AgVend has launched new financing programs. And with every rollout, the Agri-Access team is there to help.

“We’re doing it together, jointly,” said Lindo. “Each year, we see increased numbers from utilization of input financing done through the platform. The fact that, as a group, we’re helping ag retailers make the financing experience more digital. That’s a success story in itself.”

Prepare for innovation 

Like our Agri-Access partners, embedded financing eliminates friction from the closing process and help you expand your sales. Agri-Access makes it easy to provide white-label financing under your own brand, while keeping the customer on your platform and offloading your risk. Prepare for innovation by contacting your relationship manager today.