Agriculture Services

Expertise and advice to help your agriculture business succeed

With more than a century of experience in agriculture banking services, CIBC recognizes the importance of agriculture to the Canadian economy. 

As a trusted financial partner, we are aware of the factors that may affect you and your family, your business and your community, including production cycles, market changes, and consumer demands.

Whether you need a loan to buy equipment for your farm or you want financial planning and investment advice, our experienced team of CIBC Commercial Banking relationship managers can help you find the solutions that are right for you and for your business. 

What We Offer

Products to fit your business and personal financial goals

As a busy farmer, we know your day doesn't run 9 to 5. CIBC can help manage your business and personal finances with a range products tailored to your needs and for an added level of expertise, our relationship managers and specialists can assist you with information and advice on such matters as farm borrowing, economic forecasting, and general farm management and planning.  

Specialized Solutions for Agriculture Business

Reach your financial goals

From our full range of banking services and solutions tailored to farms and farmers, we can help you choose the right financial solutions to meet your business’ financial goals. Talk to a CIBC Commercial Banking relationship manager to find out how we can help your business.

CIBC Business Operating Account™

Handle the day-to-day operation of your business, with a range of flexible account optionsOpens a new window in your browser and access your account information anytime with quick and easy-to-use Mobile Banking services, Online Banking and Telephone Banking to stay on top of your finances.

Agriculture Loans and Lines of Credit

Whether you need an operating loan to help with the day-to-day expenses or want to make major improvements to your farm operation, CIBC offers a range of agriculture lending products tailored to your needs.

CIBC Farm Operating Loan

From feeder livestock to inputs and day-to-day business expenses, a CIBC Farm Operating Loan can help you manage your cash flow. Enjoy the convenience of a revolving line of credit, along with the protection of an overdraft limit.

CIBC Farm Term Loan

Whether your farm is growing or you want to upgrade your equipment, a CIBC Farm Term Loan could be right for you. We can lend you the money you need to make the capital improvements you want with flexible repayment terms available over a maximum 10-year period.

CIBC Farm Mortgage Loan

Ready to make a major investment? Use a CIBC Farm Mortgage Loan to buy new land and buildings or perform major renovations. If you're borrowing $50,000 or more, your business advisor can help structure repayment terms to match your farm operation's cash flow.

Talk to the experts in farm borrowing

Our experienced relationship managers will work with you to determine the best lending solutions for your business and personal borrowing needs.

For more information on CIBC business borrowing solutions, go to our Loans and Lines of Credit, Credit Card and Mortgages sections.

Terms and Conditions

All credit/loan products are subject to credit approval. Some conditions and restrictions apply.

Investment Solutions

Plan for a future that meets your goals. Your business advisor will work with you to develop a customized personal and business financial plan. From GICs to mutual funds to professionally managed portfolios, we offer a range of investment solutions.

CIBC AgriInvest Account

The CIBC AgriInvest AccountOpens a new window in your browser is an interest bearing account with no monthly account fees or day-to-day transaction fees. It is designed specifically for farmers participating in the Canadian federal government's AgriInvest Program.

Farm Protection

Protect yourself against the unexpected. You've worked hard to build your farm business, so make sure it is protected against unforeseen events. CIBC's smart solutions can help give you peace of mind.

CIBC Farm Credit Life InsuranceOpens a new window in your browser

Many farming operations rely heavily on the abilities of one or two individuals, making it essential to protect your family from loan liability. If you have an outstanding loan with us, CIBC Farm Credit Life Insurance1 can protect you and your family from the untimely death of a key individual. Premiums are calculated on the outstanding balance, so you only pay for what you need.

Terms and Conditions

1 Underwritten by Desjardins Financial Security Life Assurance Company.

Welcome to Canada

And welcome to CIBC. If you're considering relocation or immigration to Canada and are interested in the farming opportunities available here, we can help. Our CIBC Commercial Banking relationship managers understand the opportunities and challenges surrounding this important personal and business decision.

CIBC relationship managers can open doors for you. Your relationship manager can help you:

 learn about banking practices in Canada and set you up with a CIBC bank account

 help to establish ties with people who have also moved from your country of origin

 provide a comprehensive business planning guide

 learn what kind of financial assistance may be available to you

 

CIBC helps you every step of the way

Your arrival in Canada is just the beginning. You and your family can continue to rely on us as a trusted resource for advice and assistance with all your financial services needs.

Key Benefits

Key benefits of CIBC Agriculture Services

Thought leadership

Growth mindset: Seeding success through farm modernization

Canadian farms are growing larger and more complex, prompting a shift toward professional business practices. Modern farmers now need strong management, strategic planning, and expert advice to stay competitive and manage growth. Adopting a business mindset and leveraging technology are key to unlocking new opportunities and ensuring smooth generational transitions. Professionalizing farm operations is now essential for long-term success.

Labour shortages in Canada’s agriculture sector are holding back growth

Canada’s agri-food sector is vital to the economy but is facing severe labour shortages, especially in primary agriculture. With thousands of jobs unfilled and growing reliance on foreign workers, the sector risks reduced productivity, higher costs, and lost export opportunities. Addressing the crisis will require modernizing labour programs, investing in automation, and strengthening the domestic workforce.

Cultivating growth: The economic imperative of scaling farms in uncertain times

Canadian agriculture is shifting toward larger, more sophisticated farms as global competition intensifies. Although small farms remain important, scaling up offers lower costs, better cash management, and greater resilience in uncertain markets. Larger operations can invest in technology, diversify, and hire specialized staff, positioning themselves for long-term success. The Elskamp family’s journey from a small dairy farm to a 17,000-acre diversified business illustrates the benefits of growth and adaptability.

A growing revolution in Ontario’s greenhouse alley

Essex County, Ontario, is now a global leader in greenhouse farming, producing billions in fresh vegetables and exporting most to the U.S. Driven by technology, investment, and government support, the region’s growth addresses rising food security concerns and offers high yields year-round. Continued success will depend on further infrastructure and workforce investment.

How technology is helping farmers feed a changing world

Canadian agriculture is rapidly modernizing, with technology replacing traditional methods to boost efficiency and output. However, the sector faces major challenges, including climate change, shrinking farmland, labour shortages, and lagging investment in research. Despite these hurdles, Canada’s resources, global reputation, and strengths in agricultural technology position it well for growth — if it can attract new talent and invest wisely.

CIBC Sponsorship

CIBC is committed to supporting a cross-section of national programs that foster the growth of entrepreneurship and the continued development of Canadian organizations. Our goal is to help enrich the fabric of Canadian life while supporting the communities where our customers and their employees live and work.

Our Commitment to Agriculture: Canada's Outstanding Young Farmer Program

CIBC is proud to be a national sponsor of this program celebrating the achievements of young farm operators. This important program recognizes farm couples between the ages of 18-39 who demonstrate excellence in their profession.

Get Started Today

Visit a CIBC Banking Centre or contact a local Agriculture relationship manager in your region.