Aquaculture Loans
Capital Farm Credit is proud to offer specialized aquaculture and mariculture loans tailored to the unique needs of aquatic agribusinesses. Whether you’re raising fish, shellfish or aquatic plants, these loans provide the financial support needed to grow and sustain your operation. From small-scale fish farms to large industrial facilities, we’re here to help fund every essential aspect of your business, ensuring your success in the ever-evolving Texas aquaculture industry. We’re more than a lender — we’re your partner.
What Can Aquaculture Loans Be Used For?
Facility Development
Build or expand fish farms, hatcheries or breeding facilities to grow your operation.
Equipment Financing
Purchase tanks, nets, feeders, filtration systems and other essential tools.
Sustainability Upgrades
Implement environmental and biosecurity measures to ensure compliance and long-term viability.
Working Capital
Cover daily operating costs such as feed, utilities and labor.
Processing and Distribution
Upgrade processing plants or enhance your supply chain for greater efficiency and higher margins.
Our Aquaculture Loans Are Available to:
- Fish and shellfish farmers
- Hatchery and nursery operators
- Seafood processing and distribution businesses
- Cooperatives and businesses supporting aquaculture
What Sets Capital Farm Credit Apart
Expertise
Capital Farm Credit offers deep expertise in aquaculture lending, with lenders who understand the unique challenges and opportunities of the industry.
Local Support
We have several conveniently located offices along the Texas coast, making it easy to access local support when and where you need it.
Flexible Rates
Borrowers can choose from both fixed and variable interest rate options, providing flexibility based on financial goals and risk tolerance.
Personalized Support
Our team provides personalized support tailored to your operation, ensuring that your financing solution fits your specific needs.
Patronage Program
Eligible borrowers can benefit from cash back through our Patronage Program, which effectively reduces the overall cost of borrowing.
Flexible Payment Schedules
We offer flexible payment schedules designed to align with the seasonal nature of aquaculture and agricultural operations.
Ready To Get Started?
Applying for a Capital Farm Credit loan is easy and secure. Start by filling out the form at the link below—we’ll use your information to match you with the right loan application for your needs.
Need help getting started? We’re here for you — just give us a call at 877-944-5500.
Apply NowLoan Payment Calculator
Estimate your monthly loan payment.
Our Loan Calculator helps you estimate payments and understand the total cost of borrowing, so you can see how financing fits into your operation’s budget. Simply enter key details like loan amount, interest rate, term length, payment frequency and amortization type to get started.
View Loan Calculator
Patronage Program
A partnership that pays.
At Capital Farm Credit, our Patronage Program rewards members by sharing a portion of the association’s earnings. The amount you receive is based on your contribution to our success. Over the years, we’ve returned $2.9 billion in cash and allocated equities to our members, underscoring our commitment to supporting Texas agriculture.
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Member Stories
Recommended by Texans Like You
“We have no background in ag, right? We got into this because of our love of the water and we jumped in feet first and really didn’t know the first thing about financing. Through word of mouth, I got put in touch with some folks at Capital Farm Credit, and this was not the first group that we talked to, but I can tell you, by far, this was the easiest group to work with.”
Blake Branson, Lone Star Oyster Company
Member Stories
Recommended by Texans Like You
“My family’s been producing shrimp since the 1950s. Capital Farm Credit’s financing has helped tremendously. I can’t say enough that we would not be where we are today as Philly Seafood, had it not been for the phenomenal loan officers that I’ve had over the 20-plus years I’ve worked with them.”
Regina Garcia Pena, Philly SeafoodFrequently Asked Questions
Aquaculture loan terms are flexible and designed to match the needs of your operation. Terms can vary depending on the loan purpose, but they typically range from short-term loans for working capital to longer terms for facility development or equipment purchases.
Collateral requirements depend on the loan type and purpose. Common collateral includes equipment, facilities or other assets related to the operation. We work with you to determine the best collateral option for your situation.
Yes, aquaculture loans can be used to purchase essential equipment such as tanks, nets, feeders, filtration systems and other tools critical to your operation.
Yes, we offer refinancing options for aquaculture loans to help you secure better terms or rates as your business needs evolve. Contact your local Capital Farm Credit relationship manager to learn more about refinancing opportunities.
Find a LocationYes, aquaculture loans can be used to fund research and development efforts, such as testing new breeding techniques, improving sustainability practices or exploring innovative production methods.
Aquaculture or mariculture loans are ideal for funding expansion projects, including building new facilities, increasing production capacity or upgrading existing infrastructure.
Yes, we offer loans for start-up businesses. Whether you’re establishing a small fish farm or launching a larger operation, we provide financing tailored to your unique needs.
Sustainability projects such as implementing biosecurity measures, improving water quality systems or ensuring environmental compliance can be funded through Capital Farm Credit loans.
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