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Canadian Agricultural Loans Act (CALA)


A loan guarantee program for farmers and agricultural co-operatives.

What is CALA?

The Canadian Agricultural Loans Act (CALA) Program is a loan guarantee program designed to increase the availability of loans to farmers and agricultural co-operatives. Farmers can use these loans to establish, improve, and develop farms, while agricultural co-operatives may also access loans to process, distribute, or market farming products.

Under CALA, the federal government guarantees to the lender the repayment of 95% of a net loss on an eligible loan issued. The maximum aggregate loan limit for any one farm operation is $500,000.

Loans are limited to a maximum of:

  • $500,000 for the purchase of land and the construction or improvement of buildings
  • $350,000 for all other loan purposes, including consolidation or refinancing.

The maximum aggregate loan limit for agricultural co-operatives is $3 million, with the Minister’s approval.

Speak to an advisor

Are you eligible for CALA? Our Agricultural Loan experts can help you find out, and navigate the way forward.

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