Commodity Loan Guarantee Program (CLGP)
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Eligibility & Details
What this program funds and who can apply
Program Description
Government-guaranteed short-term operating loans of up to $750,000 at prime rate for Ontario crop farmers to purchase seasonal inputs — seed, fertilizer, pesticides, and crop insurance premiums. Administered by the Agricultural Credit Corporation (ACC) with $200M in total government guarantees. Ongoing since 1992.
Eligibility Requirements
- Must be an Ontario crop producer (sole proprietor, partnership, or corporation)
- Must be in the business of producing eligible commodities
- Must pass ACC credit review
- Must not owe money to the Administrator from past defaults
- Must not owe money to the Crown
Quick Assessment
Funding Details
- Amount
- Up to $750,000 per producer (at prime rate)
- Type
- Loan
- Level
- Provincial
- Financing share
- Up to 100% of eligible costs
- Deadline
- Ongoing (program year: November 1 – October 31)
Program Scorecard
Competition, effort, and approval at a glance
Everything you need to secure CLGP
Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.
- 3-document checklist with what each reviewer is actually checking
- 5-step application timeline with prep hours per step
- Insider tip from program officers on what separates winners
- 2-program stacking strategy to combine with compatible funding
- Success profile + evaluation criteria — exactly what lenders look for
How to qualify
Insider tips, common pitfalls, and what successful applicants look like
Insider TipApply through the Agricultural Credit Corporation (ACC), not the government directly. Prime rate loans for seasonal inputs are hard to beat. Repayment deadline is September 30 — designed to align with harvest cash flow. The $750K ceiling covers most commercial crop operations. Eligible commodities include corn, soybeans, canola, wheat, barley, oats, mixed grains, potatoes, processing vegetables, and seed corn.
Success Profile
Ontario grain and oilseed farmers financing spring planting inputs. Commercial crop producers needing seasonal working capital at competitive rates.
Evaluation Criteria
ACC credit review — assessed on farm viability and repayment capacity, not competitive ranking.
Application Playbook
Step-by-step process, required documents, and expenses
Application Steps
Required Documents 3
Eligible Expenses 4
- Seed purchases
- Fertilizer
- Pesticides and herbicides
- Crop insurance premiums
Ineligible Expenses 4
- Equipment
- Land
- Building construction
- Operating overhead
Deadline Notes
Annual recurring program. Apply through the Agricultural Credit Corporation (ACC) at 519-766-0544. Repayment deadline is September 30 each year. Eligible commodities: corn, soybeans, canola, wheat, barley, oats, mixed grains, potatoes, vegetables for processing, seed corn.
Open Application Portal →Ineligible Organizations
- Non-agricultural businesses
- Livestock-only operations (no crop production)
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Funding Stack Strategy
Compatible programs, clawback risk, and combined funding potential
Compatible Programs
Clawback Risk
Not-applicable RiskStandard loan — repayment required.
How CLGP Compares
Side-by-side with similar programs
| Program | Amount | Difficulty | Payment | Deadline |
|---|---|---|---|---|
| Commodity Loan Guarantee Program (CLGP) | Up to $750,000 | Easy | Loan | Ongoing (program year:... |
| Canadian Agricultural Loans Act (CALA... | Up to $500,000 | Easy | Loan | Ongoing (apply through... |
| AgriInvest Program | up to $10,000 | Easy | Advance Payment | Annual — 2025 program... |
| CanExport SMEs | Up to $50,000 | Moderate | Mixed (Advance + Reimb.) | Applications accepted... |
| Export Development Canada (EDC) Finan... | Varies | Easy | Equity | Ongoing |
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Frequently Asked Questions
Quick answers to the questions founders most often ask about CLGP