2025 California Small Farm Conference

About ComAg Financial
ComAg Financial helps farmers, investors, and agricultural and agribusiness companies locate and/or arrange financing for: Commercial Real Estate; Agricultural Real Estate; and Agribusiness Real Estate. ComAg Financial's role in the process of arranging financing varies depending on the specific situation and type of financing needed; Depending on your unique situation, ComAg Financial may act in the capacity of a: correspondent lender; broker; consultant; or referral partner for a third party funding source.

ComAg Financial is owned and operated by James V. Cardoza, who has both hands-on operational and financing experience in a variety of industries. In addition to working as a Vice President and Agribusiness Consultant for a national bank, working with a wide range of agricultural and agribusiness companies throughout multiple U.S. states, James V. Cardoza has worked in operational roles in agriculture, agribusiness processing, manufacturing, and distribution. James Cardoza earned: a BSC in Finance, Magna Cum Laude from Santa Clara University; a Master of Business Administration, With Distinction from the Craig School of Business at California State University - Fresno; and a Juris Doctor from Northwestern California University School of Law. Cardoza also: graduated from the Agricultural Lending Institute; completed the Water 101 Program through the Water Education Foundation; and has completed coursework in both credit and commercial lending through a national bank and through the New York Institute of Finance. Cardoza holds a California Real Estate Broker License (#01375287) and a FAA Part 107 Unmanned Aircraft Systems (UAS)(Drone) Remote Pilot Certificate (#4858869). He was also previously forklift operator certified, with experience handling both tree nuts and aluminum, and has operated box trucks and various farm and manufacturing and distribution equipment. Cardoza grew up working on a dairy and row crop farm (corn, cotton, wheat, alfalfa, oats) in Tulare County, California, and currently resides in Fresno, California.