Plant Nursery and Ornamental

Where every plant finds its perfect home

The US plant nursery industry is thriving, fueled by rising demand for ornamental plants, horticultural propagation services, and landscaping solutions. As demand for sustainable and decorative plants, trees, and shrubs grows, so too does the need for financial resources to support the expansion of these businesses.

Loan guarantees provide nurseries with financing for vital investments, such as greenhouse construction, advanced irrigation systems, and renewable energy integrations. The program also supports efforts to modernize operations, improve sustainability, and increase production capacity, allowing nurseries to meet the rising demand for eco-friendly and high-quality plant products. Positive results include diversification of product lines, expansion into new territories, and stable employment for rural communities.

Highlights

  • Typically 100% of project costs, including land, hard & soft costs, working capital are USDA guaranteed loan eligible

  • One loan to cover construction through to permanent financing, with up to 24 month interest only

  • No restrictive covenants, no call provisions, no balloon payments, long-term amortizations

  • Ornamental producers located in urban areas are eligible for a Rural Area exemption, subject to meeting certain conditions

  • Acquisitions of existing facilities are eligible

  • Ornamental uses are eligible for both B&I ($25M per applicant) and REAP ($25M per applicant)

Leverage B&I and REAP Loans for serious growth

Facility Construction and Expansion

  • Greenhouse Construction: Financing the building of new greenhouses and expanding existing ones to increase production capacity.

  • Nursery Infrastructure: Developing shade structures, irrigation systems, and storage facilities essential for plant cultivation and maintenance.

  • Land Acquisition: Purchasing land suitable for nursery operations, including fields for open-air cultivation.

Equipment Purchase

  • Modern Farming Equipment: Acquiring tractors, loaders, potting machines, and other equipment to improve efficiency and productivity.

  • Irrigation and Water Management Systems: Investing in advanced irrigation technology, such as drip irrigation and automated watering systems, to conserve water and enhance plant health.

  • Climate Control Systems: Installing heating, cooling, and ventilation systems in greenhouses to maintain optimal growing conditions.

Renewable Energy and Sustainability Initiatives

  • Solar Energy Systems: Funding the installation of solar panels to reduce energy costs and environmental impact.

  • Energy Efficiency Upgrades: Retrofitting facilities with energy-efficient lighting, insulation, and equipment.

  • Waste Management Solutions: Implementing composting systems and recycling programs to manage organic waste.

Operational Enhancements

  • Technology Integration: Investing in software for inventory management, sales tracking, and supply chain optimization.

  • Research and Development: Funding R&D projects to develop new plant varieties, improve pest resistance, and enhance product offerings.

Working Capital and Debt Refinancing

  • Working Capital: Providing funds for day-to-day operational expenses, including payroll, utilities, and supplies.

  • Debt Refinancing: Refinancing existing high-interest debt to improve cash flow and financial stability.

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