Go to:
  1. Personal
  2. Business
  3. About Us
Search
  1. Business
  2. Agriculture
  3. Agriculture Lending
  4. Agriculture Loans
  5. Canadian Agriculture Loans Act (CALA)

Canadian Agricultural

Loans Act 


Running a successful farm takes planning, investment, and the right financial support. The Canadian Agricultural Loans Act (CALA) loan helps farmers access lower‑risk, government‑backed financing to strengthen or expand their operations. Whether you’re upgrading equipment, buying land, or building new structures, a CALA loan can help your farm move forward with confidence. 


Why choose a CALA loan from Conexus?

Choosing a CALA loan from Conexus gives your farm access to government‑backed financing with guidance from advisors who understand Saskatchewan agriculture. You can use the funds for land, livestock, equipment, or improvements that help your operation grow — all with the added confidence of competitive rates and flexible terms. With Conexus, you get clear support throughout the process and a partner who helps you make smart, forward‑focused decisions for your farm’s future. 

Book appointment
Saskatchewan farmer climbing into commercial seeder.

What is a CALA Loan? 

The Canadian Agricultural Loans Act (CALA) loan is a government‑backed financing program that supports farmers, ranchers, and agricultural co‑operatives in growing, expanding, or upgrading their operations. Through this program, the Government of Canada shares a portion of the lending risk with financial institutions, making it easier for agricultural producers to access the funds they need to move their farm forward.

CALA loans can be used to purchase land, build or repair farm buildings, buy livestock, invest in equipment, or make improvements that increase the long‑term productivity and sustainability of the operation. Whether you’re just getting started or planning your next phase of growth, the CALA program helps make borrowing more accessible and affordable for producers across Canada.

Eligibility requirements 

You may qualify for a CALA loan if you are:

  • A farmer, producer, or agricultural co‑operative in Canada

  • Purchasing eligible assets, including equipment, livestock, real estate, or improvements to buildings

  • Operating a farm or agricultural business with plans to invest in growth or sustainability

Additional criteria may apply depending on your operation and loan purpose.

Benefits of a CALA loan

CALA loans offer unique advantages for farm operations, including:

bullet icon

Government‑backed financing that reduces lender risk

bullet icon

Access to capital for farm expansion or modernization

bullet icon

Flexible use for equipment, livestock, land, or building improvements

bullet icon

Reduced down payments and access to longer amortizations

bullet icon

Affordable borrowing with competitive interest rates

Loan and fee details

With a CALA loan, you can:

bullet icon

Borrow up to program maximums for eligible asset types

bullet icon

Finance equipment, livestock, land purchases, or building improvements

bullet icon

Access structured repayment schedules designed for agricultural cash flow

bullet icon

Benefit from lower risk due to federal government backing

 These benefits help farms remain resilient, innovative, and competitive. 

Any associated fees or charges will be reviewed with you by your advisor to ensure clarity and predictability.

Related tools and services

Have questions?

That's what we're here for!

Meet with one of our business advisors to talk about a CALA loan. Fill out our contact form and we’ll contact you within one business day.

Get started today