By Liron Brish, Founder, Thombar. Last updated .
Thombar Capital lets specialty crop growers pay supplier and labor contractor invoices now and repay in 30, 60, or 90 days, when the packer settlement lands. No collateral or liens. Soft credit pull only. Offers in 48 hours. Available in all fifty states.
Financing subject to credit approval.
The invoice is due Friday. The packer settles weeks later. The money is real, it is just late. Thombar Capital covers the weeks in between.
Sign up, get offers in 48 hours, upload a supplier invoice to draw, and repay by auto-debit when your settlement lands.
Create a Thombar account, connect your bank, and share your marketing or service agreements.
Terms come back within 48 hours. E-sign online.
Upload the supplier invoice and pick a 30, 60, or 90 day window. Funds reach your bank account in 24 to 48 hours. You pay the supplier yourself.
We auto-debit your account at the end of your window. Repay early and part of the fee is rebated, subject to your agreement. If your settlement runs late, tell us before the debit date and we can extend the window.
Your supplier deals with you, the same as always.
Approved supplier invoices for the things a season runs on.
You upload the invoice to draw. Payroll you run yourself is not an invoice, so it is not covered. Not sure a supplier qualifies? Ask us before the week you need the money.
When a bill is due before your check lands.
One flat fee per draw, shown in dollars before you accept. It is not interest running on a balance. Your fee is set by your application, so there is no published rate.
Your bank prices its line against your land. We take no collateral and no liens, so we carry more risk, and that risk is priced into the fee. If you can draw on your bank line, use it. Thombar Capital is for the weeks it cannot cover.
| Supplier discount | You save | Your fee | Net to you |
|---|---|---|---|
| 1% | $1,000 | $2,000 | -$1,000 |
| 2% | $2,000 | $2,000 | $0 |
| 3% | $3,000 | $2,000 | +$1,000 |
| 5% | $5,000 | $2,000 | +$3,000 |
Illustrative only, not a quote. Rates depend on your full application, and longer windows cost more.
Marketing agreements, cash flow history, and a soft credit pull. Not your land and not your equity.
Or service agreements if you work for growers. Collected at signup so they count from day one.
From a connected bank account.
It does not affect your score. We never do a hard pull.
A personal guarantee from the owner. Standard for business credit at this size, and what lets us skip collateral.
Lines up to $250,000, with flexibility depending on the application. No minimum time in business, though a longer operating history strengthens your application.
On a free trial of the Thombar back office? Your first draw adds three more months.
Offers in 48 hours. Soft pull only.
It fills the gap between a bank line and your settlement. It does not replace your bank.
| Option | Collateral | Speed | Best when |
|---|---|---|---|
| Bank or Farm Credit operating line | Usually real estate, crops, or equipment | Weeks to months, and again if you need the cap raised | Whole-season capital. Cheaper than us. Use it when you can draw on it. |
| FSA operating loan | Secured | Slow | You qualify and can wait. Also cheaper than us. |
| Produce or PACA factoring | You assign the receivable | Days | You have already shipped and invoiced. |
| Vendor financing that pays your vendor | Varies | Days | Your vendors are large enough to be onboarded and you do not mind them knowing. |
| Business credit card | None | Instant | Small amounts you can clear in the grace period. |
| Merchant cash advance | Often a lien and a personal guarantee | Fast | Almost never. Read the total dollar cost first. |
| Thombar Capital | Personal guarantee. No collateral or liens. | Offers in 48 hours. Funds 24 to 48 hours after a draw. | A supplier invoice is due now and your settlement lands within 30, 60, or 90 days. |
Specialty crop growers, and the people who work for them.
Fruit, vegetable, tree nut, potato, wine grape, nursery, and floriculture growers, from one crop to many. Underwritten on your marketing agreements and cash flow.
Farm labor contractors, applicators, PCAs, haulers, hullers, and processors. You do the work now and get paid when the grower does. Underwritten on the service agreements you have signed with growers and your cash flow. Same fee structure, same soft pull, same personal guarantee.
Specialty crops only. Not sure your crop qualifies? Ask us.
Thombar Capital does not change how you get paid. Your customer pays you, on your invoice and your terms.
Two growers, two different gaps. Both were underwritten on contracts and cash flow, not land.
Thombar Capital extended credit against his marketing contracts alone, even before his cash flow history was there. He caught up on input invoices and went on to close a national retail account.
Thombar Capital extended credit against his cash flow and existing contracts, the fuller picture most lenders miss. He started paying suppliers directly and ended the inter-company borrowing.
Financing subject to credit approval.
Straight answers about cost, collateral, speed, and who qualifies. For questions about the rest of Thombar, see the general Thombar FAQ or read about the team behind Thombar.
Short-term credit that covers the time between when a bill is due and when your settlement or receivable is paid. Thombar Capital does this for specialty crop growers with 30, 60, or 90 day draws.
Yes. Thombar Capital takes no collateral and no liens, so land equity is not required. We underwrite on your marketing agreements, cash flow history, and a soft credit pull. The owner signs a personal guarantee.
No. Nothing is pledged, and there is no lien on your land, crops, or equipment.
Yes. The owner signs a personal guarantee. That is standard for business credit at this size, and it is why we can skip collateral.
One flat fee per draw, shown in dollars before you accept. It depends on your application and the window you pick. There is no published rate.
Part of the fee is rebated, subject to your agreement's terms.
Offers within 48 hours of a complete application. After you draw, funds reach your account in 24 to 48 hours.
Up to $250,000, with flexibility depending on the application. No minimum size.
No. If you are on a free trial of the Thombar back office, your first draw adds three more months.
No. The money goes to your bank account and you pay your supplier.
Yes. You upload the supplier invoice you are covering.
Approved suppliers of field inputs and materials, labor contractors, trucking and delivery, and packaging and seasonal supplies. If you are not sure a supplier qualifies, ask us.
Yes. Payroll you run yourself is not an invoice, so it is not covered.
Yes. We underwrite against the service agreements you have signed with growers.
No. We do a soft pull only. We never do a hard pull.
Specialty crops: fruits, vegetables, tree nuts, potatoes, wine grapes, nursery crops, and floriculture.
All fifty states.
No. A longer operating history strengthens your application, but it is not a gate.
Tell us before the debit date and we can extend the window. You did sign a personal guarantee, so this is a real obligation. We would rather work out a plan around when your money actually lands.
Yes. It covers the weeks your note cannot. If you can draw on your bank line, use it.
Soft pull only, no commitment, terms within 48 hours.
Questions? help@thombar.ag or call or text 805-220-4506.
Read more: A farm line of credit that does not run through your land
Financing subject to credit approval of a completed application. Thombar Capital finances approved supplier purchases only; amounts, terms and eligibility vary by operation. Rates are custom to each customer's risk profile; there is no published rate. Early-repayment fee rebates are subject to your agreement's terms. Thombar Capital is powered by Kanmon Inc. Thombar provides informational guidance and does not constitute financial, tax, or legal advice. Always consult a qualified professional for important financial decisions. © 2026 Crop Guard, Inc. (dba "Thombar").
© 2026 KANMON INC. ALL RIGHTS RESERVED. KANMON IS OPERATED BY KANMON INC. CAPITAL IS MADE AVAILABLE THROUGH BUSINESS LOANS, LINES OF CREDIT, AND ADVANCES. CALIFORNIA LOANS ARE MADE PURSUANT TO KANMON'S DFPI FINANCE LENDERS LAW LICENSE #60DBO-144925.