Read how this Washington farmer leveraged AgAmerica’s custom financing options to secure a more long-term solution.

In an increasingly disciplined farm credit environment, long-term capital and trusted lending relationships matter more than ever. For this Washington-based producer, working with a lender who understood both his operation and growth strategy enabled him to restructure his short-term bridge loan into a more sustainable option. 

The Challenge 

Back in 2023, a fourth-generation farmer worked with AgAmerica to acquire land for agricultural production and storage using a short-term bridge loan. Since that time, his operation ramped up services, added customers, and generated consistent cash flow. But as the operation grew, so did the need for a more permanent financing solution—one that could replace short-term debt, support future expansion, and preserve liquidity in a tightening credit environment. After a positive experience with AgAmerica several years ago, the farmer shared these goals with us to see if we could help. 

The Solution 

Having worked closely with the client in the past, AgAmerica was able to structure an $18MM custom loan package that met the borrower’s financial goals. Through this loan facility, he was able to refinance existing real estate debt, improve loan terms, cover closing costs, and maintain conservative leverage and long-term stability. The final loan provided permanent financing, simplified the producer’s balance sheet, and restructured the loan from an interest-only product to a more conventional amortized one. 

Looking to refinance existing debt or expand your operation with long-term capital? Learn how AgAmerica’s custom land financing solutions can help you strengthen your balance sheet and pursue growth with confidence. 

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