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Agriculture

Expertise and advice to help your agriculture business succeed

With more than a century of experience in agriculture, CIBC recognizes the importance of agriculture to the Canadian economy. Through your CIBC Commercial Banking relationship manager, you will have access to a team of experts with in-depth knowledge of the agriculture business and who understand that your needs are unique. With our expertise in agriculture 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.

Your relationship manager can assist you with information and advice on such matters as farm borrowing, economic forecasts, business planning, investments or general business management. At CIBC, we know and understand your specific agricultural sector and are also well versed in the range of government support and incentive programs available.

Your relationship manager is also backed by a team of CIBC agriculture specialists and financial solutions experts in credit, cash management, foreign exchange, business transition planning, and investing who are available to help you reach your financial goals and those of your agriculture business. Each member of this team has extensive, in-depth experience in the agriculture sector.

Achieve a wide range of goals with our customized lending solutions

Operating an agriculture business requires that you have access to funds for a variety of reasons, from covering day-to-day expenses, repairs and maintenance, to making major purchases such as machinery and equipment. Whether it’s a revolving line of credit to ensure funds are available for day-to-day expenses, a loan for capital improvements, a long-term mortgage loan for additional land or buildings or, specialized borrowing leveraging your business’ working capital assets, your relationship manager can work with you to determine the best solution.

We also offer CIBC Farm Loan Life Insurance1 on all of our lending options. It can ensure you and your business are protected from the potential financial impact of unexpected events.

Maintain the health of your operation with effective cash management

Effective cash management can influence the well-being and growth of your business. Our cash management solutions, such as Direct Deposit and online business tax filing, can help you save time and reduce overhead expenses. Your relationship manager can help you determine the solutions that are right for your business and, if needed, refer you to a cash management specialist.

Integrated wealth management helps you reach both business and personal goals

As a business owner, your investment needs can be involved and complex. Your relationship manager will draw upon the extensive experience and expertise of a Financial Planning Consultant to help you develop a plan that will meet both your business and personal financial goals.

Peace of mind as you prepare yourself and your agriculture business for the future

Whether you are thinking about transferring your business to a family member or business partner, selling your business, or looking to structure your retirement, your CIBC relationship manager will work with our team of transition planning experts to develop a business transition plan that is right for you, your agriculture business, and your family.

Key benefits of CIBC Agriculture Services

As a CIBC Commercial Banking and Agriculture client, you enjoy the benefits of:

  • Working with professionals who understand the special challenges and opportunities that exist in the agriculture sector
  • Dealing with an institution that has a long history and has been a consistent supporter of the agriculture industry
  • Competitive products and services that are customized to meet your specific needs as an agriculture business

Our commitment to you

Whether your business is new or well established, in a growth phase or holding steady, we are committed to providing you with:

  • Flexible business solutions that meet your company's unique needs
  • Dedicated business expertise from a relationship manager who understands you, your business, and the industry you work in
  • Timely business advice to ensure that you have what you need when you need it

1Products and their features may change at any time. This is a general description only. Some limitations and exclusions apply to the insurance coverage. A detailed summary of the terms, conditions, limitations and exclusions is contained in the Certificate of Insurance that you receive upon enrolment. This insurance may not cover pre-existing medical conditions – review your insurance certificate carefully for details. CIBC Farm Loan Life Insurance is creditor’s group insurance and is underwritten by Desjardins Financial Security Life Assurance Company and is administered by the insurer and CIBC. CIBC receives fees from the insurer to promote and administer the plan.

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