At AgAmerica, our commitment to farmers and ranchers extends beyond the closing table. 

The needs of an agricultural operation change over time, and a good lending partner should be ready to evolve with them. Learn why a fourth-generation Texas rancher returned to AgAmerica when it was time to refinance and take the next step in securing his family’s legacy. 

The Challenge 

After successfully transitioning ownership of his family’s ranch in 2021 with an alternative land loan from AgAmerica, this Texas rancher spent several years strengthening the foundation of his operation. But as the business matured, so did its financial needs. His previous loan was a short-term IO loan with quarterly payments, ideal through the ownership transfer of his operation at the time. But now, he sought a more long-term solution. He wanted to change to semi-annual payments that worked better with the timing of his operation’s cash flow and secure additional liquidity to reinvest. With a strong track record as a borrower and operator, he turned to the lender who had helped him through a pivotal moment just a few years earlier. 

The Solution 

Thanks to the long-standing relationship he had built with AgAmerica, the process was smooth and efficient. Our team expedited the approval of a $3.2MM conventional refinance with minimal paperwork and hassle. The new 30-year term loan was structured with semi-annual payments and provided over $500K in working capital for his ranch. Through this strategic refinance, he secured the long-term solution and payment structure he sought to be able to continue building on his family’s legacy. 

At AgAmerica, we don’t just finance farms—we grow with them. Ready to take the next step in leveling up your legacy? Contact one of our land lending experts today.  

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