Learn how these landowners leveraged AgAmerica’s interest-only financing to invest back into their regenerative vineyard.

In a shifting global economy, lenders will often pull back and implement additional safeguards in their underwriting to manage debt portfolio risk. As a nationwide land lender, AgAmerica’s diversified portfolio allows us the freedom to provide flexible financing when borrowers need it most. Learn how these savvy business owners leveraged the AgAmerica Pivot™ program to prevent an economic downturn from standing in the way of their operational goals.   

The Challenge

After a successful international business career, one California couple was ready to focus their efforts on owning and operating a premium regenerative vineyard in the heart of wine country. The problem was the current economy made obtaining working capital for operational investments an expensive feat. As seasoned entrepreneurs and business owners, the couple shopped around to see if there were better alternatives to what their current lender could offer. In their mission to cultivate the highest quality grapes while improving the surrounding natural habitat, they knew they needed a lender with a unique understanding of the industry, who could provide short-term liquidity with a long-term financial plan.  

The Solution

Our central servicing capacity, streamlined approval process, and dedicated team of financial experts made it possible for AgAmerica to close and fund a seven-year interest-only line of credit loan before their previous lender could even confirm approval. This strategic $8MM refinance equipped the borrowers with additional working capital, lower payments, and greater flexibility to invest back into their operation. Through the AgAmerica Pivot™ program, they weren’t limited in accomplishing their goals despite a rising interest rate environment. Instead, they were able to grow through it with the option of transitioning to a more conventional loan product when the time is right.