Pay In Time Canada is the dedicated Canadian arm of the Pay In Time global agricultural finance network. We deliver specialist working capital, seasonal finance, livestock and equipment funding, pre-harvest crop finance, and embedded vendor finance for AgTech across Canadian agriculture — from prairie grain and oilseeds in Saskatchewan, Alberta and Manitoba, to dairy and supply-managed sectors in Quebec and Ontario, to potato and horticulture in PEI and the Maritimes, to BC orchards and ranching nationwide.
Why Pay In Time Canada: Purpose-built ag finance with deep understanding of Canadian seasonal cash flow, AgriStability and AgriInvest programs, supply-management quotas, prairie grain marketing cycles, and Farm Credit Canada co-lending pathways. Broker and agri-adviser network with co-branded program. Capital partner panel including Canadian pensions, private credit funds and credit union centrals. Embedded finance rails for AgTech vendors selling into Canadian producers.
Core Product Suite (CA): Seasonal operating lines CAD $50k–$5M. Pre-harvest crop input finance against forward grain contracts. Livestock and feeder cattle finance. Plant, equipment and machinery finance. Dairy and poultry quota finance (supply-managed sectors). Receivables and trade finance for ag exporters. Embedded AgTech vendor finance. Capital partner facilities CAD $10M–$100M+ forward-flow, including FCC overflow and co-lending structures.
Three Ways to Engage: (1) Brokers and Agri-Advisers — join the CA Broker Network Program for co-branded ag finance solutions and structured commissions. (2) Capital Partners — participate in forward-flow facilities or programmatic co-lending into Canadian agricultural credit. (3) AgTech Vendors — embed Pay In Time at point-of-sale across Canadian farms and ranches.
Compliance: Pay In Time Canada is a trade name of REALM Group Global. Pay In Time does not extend credit directly in Canada. All lending products are originated and funded by licensed Canadian lending partners and comply with provincial consumer protection laws and FSRA, AMF, FCAA and equivalent provincial registration requirements where applicable. Commercial finance is provided to business clients only. This page is general information and does not constitute financial product advice or an offer to lend.
