No, our land loans are for anyone looking to finance 25 acres or more of agricultural-zoned land. AgAmerica can finance agricultural farm and ranch properties, citrus grove conversions, recreational land, and even raw agricultural land parcels.

Yes, our lending experts work with you to leverage the value of your land to gain access to the capital you need—all the while building terms to keep your most valuable assets protected and positioned for growth in the future. Plus, equity-backed loans provide lower interest rates and longer repayment terms, making it more suitable for larger loan amounts or extended financing periods.

Our minimum requirements for farm financing and land loans include:

• You must own or plan to buy 25+ acres of agricultural land.
• The total loan amount you’re seeking must be $50,000 or more.
• The loan amount must be less than 75% of the property’s value.
• You must be an American citizen or US resident alien.

We only request three main items upfront, which include three years of tax returns, a balance sheet, and AgAmerica’s loan application. This information gives us a good understanding of your financial background. Once we receive those documents, we can communicate the right financing program that meets your unique needs.

If the property has been appraised within the last 8 months, we are potentially able to work with that appraisal. However, in most cases, an appraisal is required.

If you’ve experienced any of the following changes to your financial portfolio, it may be a good time to refinance:

• An increase in your credit score
• Growth in operational revenue or collateral
• A drop in the interest rates on agriculture loans
• A debt payoff

Our primary goal is to provide a financial structure that enables you to effectively manage debt obligations. We offer a range of solutions designed to help you navigate market shifts and changing circumstances without becoming overleveraged. Should you experience financial hardship, our client
success team will work with you to explore alternative financing options.