Who We Are

AgriCap Financial Corporation's management team consists of individuals who bring over 60 years of collective experience in the Commercial Finance, Sales and Marketing and Agribusiness arenas.

Richard (Cody) Kostkas - CEO

Richard Kostkas began his career in public accounting specializing in agriculture and later formed a successful mortgage brokerage in Carmel, California, an area surrounded by substantial agricultural operations.  He co-founded iTradeNetwork, an online agricultural marketplace which today is highly regarded and utilized by some of the largest food suppliers and retailers in the country.  In 2001, Richard joined with Rick Jones in forming AgriCap to provide financing in the agricultural sector.  Richard's mortgage expertise, accounting knowledge, organizational abilities and entrepreneurial skills have been key components to AgriCap’s success.  Richard holds a B.A. in Business Accounting & Finance from Westminster College.

Rick Jones - President

Rick Jones began his career in finance 24 years ago with Westinghouse Credit's floor planning group, where he moved from field auditor to senior credit analyst.  He joined GE Capital four years later and became a senior credit officer.  Two years later, he began his factoring career when he was recruited by Bank of Boston's Los Angeles factoring group in a senior credit capacity.  After five years, he joined Bank of America's factoring group where, over the next eight years, Rick managed a large client loan portfolio, co-wrote national credit policy, participated in re-engineering the factoring group, and led the company in business development as a new business officer.  Rick joined Richard Kostkas in forming Terra Associates and AgriCap Financial in 2001. Rick has been instrumental in organizing and implementing credit policies and procedures and has led new business development; Rick is responsible for monitoring all clients’ performance. Rick holds a B.S. in Marketing from Penn State.