Agricultural Loan Options:
Farm and Ranch Loans
Offering tailored financial solutions for agricultural operations nationwide, with loan sizes ranging from $1 million to $200 million. Our loan programs include Bridge Loans, Permanent Loans, and Lines of Credit, designed to support both distressed and stable farming enterprises.
Bridge Loans
For distressed farmers facing delinquency, credit, or cash flow challenges.
Key Features:
- Rates: Starting at 7% (interest-only payments).
- Terms: 1-3 years.
- Loan-to-Value (LTV): Up to 65% of agricultural real estate value.
- Closing Time: 30-45 days.
- Credit Requirements: No minimum credit score needed.
- Loan Sizes: $1 million to $200 million.
- Flexibility: Programs to restructure balance sheets.
Permanent Loans
For stable agricultural operations seeking long-term financing.
Key Features:
- Rates: Floating and fixed-rate options starting at 6.5%.
- Fixed Periods: 5, 10, 15, 25, and 30 years.
- Loan-to-Value (LTV): Up to 70% of agricultural real estate value.
- Closing Time: 30-45 days.
- Credit Requirements: 680 standard credit score or no-score options available.
- Loan Sizes: $1 million to $200 million.
- No Restrictions: No yield maintenance, swaps, prepayment penalties, or loan covenants.
Lines of Credit
A flexible alternative to traditional operating lines, secured by agricultural real estate.
Key Features:
- Terms: 3-5 years, with no annual renewals required.
- Payments: Interest-only payments, allowing control over annual carryovers.
- No Liens: No crop, cattle, or equipment liens—farmers maintain control of commodity sales and income.
- Draws: Monthly draws with no mandatory paydowns, other than semi-annual interest-only payments.
- Closing Time: 30-45 days.
- Loan Sizes: $1 million to $200 million.
Rates And Terms Subject To Change
Agricultural Loans: Financing for Growth and Sustainability
Agricultural loans are tailored specifically for individuals and businesses in the agricultural sector, providing the financial support needed to thrive in a dynamic and often unpredictable industry. These loans can help cover a range of needs, including purchasing equipment, expanding operations, managing seasonal cash flow, or acquiring farmland.
What Agricultural Loans Can Cover
- Equipment and Machinery: Modern farming requires reliable tools. These loans can help finance tractors, harvesters, irrigation systems, and other essential equipment.
- Land Purchase or Expansion: Whether you’re acquiring new farmland or expanding your current property, agricultural loans provide a structured way to fund significant investments.
- Working Capital: Agriculture often involves fluctuating cash flows due to seasonal cycles. These loans can bridge the gap during planting, growing, or harvesting periods.
- Livestock and Crop Production: From purchasing livestock to covering operational costs for crop cultivation, these loans can keep your production steady.
Tailored for Agricultural Realities
We understand the unique challenges farmers and agricultural businesses face, from unpredictable weather patterns to market fluctuations. Agricultural loans are designed with these realities in mind, often featuring flexible terms and repayment options to accommodate the cyclical nature of farming income.
Why Consider an Agricultural Loan?
By securing an agricultural loan, you can invest in long-term improvements, seize growth opportunities, and maintain financial stability during challenging periods. Whether you’re a small family farm or a large-scale agricultural operation, these loans provide the resources needed to stay competitive and sustainable.