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Get paid for every sale, from wholesale to market day

A working farm can sell to grocers, restaurants, shareholders and market shoppers in the same week. Finli brings those sales into one place and settles every digital payment into your account at your own bank or credit union.

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Farm business dashboard with wholesale invoices and harvest sales
A agriculture program in a sample institution’s brand. Sample data.

What gets in the way

Fund the season before harvest

Prepaid shares and deposits bring money in when seed, labor and equipment costs are highest.

Keep wholesale buyers paying on terms

Grocers, restaurants and distributors pay on terms. Reminders keep invoices from drifting.

Track product and payments in one place

Inventory, buyer history and documents should live next to the invoices they belong to.

A week at A diversified vegetable and fruit farm selling wholesale, through farm shares and at weekend markets

  1. Early deliveryProduce goes to a grocer on net terms, and the invoice goes out from a phone.
  2. Restaurant on autopayA restaurant's weekly standing order bills on autopay by bank transfer.
  3. Share sign-upsNew members prepay for the season from a shareable link.
  4. Market dayShoppers pay at the stand by card or Apple Pay through a payment link.
  5. Reminder on termsAn overdue wholesale invoice gets an automatic reminder by email and text.
  6. Crew and suppliers paidThe farm pays crew and an irrigation supplier with Payouts, in early access.

Built for farms and ranches

Wholesale invoicing with reminders

Invoice buyers on their terms, with automatic email and text reminders when payment is late.

Farm-share sign-ups

Sell prepaid seasonal shares by payment link, with recurring billing for members who pay over time.

Market and farm-stand payments

Take card and Apple Pay at the stand from a payment link or a printed QR code.

Inventory with restock alerts

Track product and supplies, with stock reduced as items are invoiced.

Inventory by harvest lot

Tie shipments to harvest lots so buyers can trace product back to the field.

Crew and supplier payoutsIn pilot

Pay crews and suppliers from farm checking, with W-9 collection and 1099 tracking.

Buyer records and documents

Keep wholesale agreements, food safety certificates and payment history on each buyer record.

For banks and credit unions

Farms and ranches show their season clearly in receivables, prepaid shares and payouts. When those payments settle into accounts at your institution, your ag lenders see the cash cycle as it happens and can time seasonal credit and equipment conversations.

Where these businesses grow next

  • Seasonal operating line of credit
  • Equipment financing
  • Treasury management

Payouts collects W-9s and tracks 1099 amounts for payees; the farm decides how each worker is classified and paid.

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Common questions

Can I sell farm shares through Finli?
Yes. You can sell prepaid seasonal shares through a shareable payment link, and use recurring invoices on autopay for members who pay in installments. Every payment settles into your account at your bank or credit union.
Is Finli a payroll service?
No. Finli is not payroll. Payouts, now in pilot, lets you pay people and suppliers from your business checking with W-9 collection and 1099 tracking. Hourly employee payroll stays with your payroll provider.
What does it cost buyers to pay?
Bank transfer (ACH) payments are always free. Card payments carry a 3.5% processing fee, which the farm can absorb or pass on to the buyer.

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Finli is offered through your financial institution

Banks, credit unions and community lenders offer Finli under their own name, so your payments settle with the institution you already use. Tell us where you bank and we’ll ask them for you.

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