FAQS

AgAmerica is one of the nation’s leading agricultural land lenders, headquartered in Lakeland, Florida with a West Coast presence in Boise, Idaho.

We’d love to hear from you. Please visit our contact us page to get started.

AgAmerica’s land loans differentiate from those of traditional lenders and financial institutions because they are assembled specifically for your operation’s unique goals. Our loan packages are built with a variety of products such as our 10-year interest-only lines of credit, 30-year term loans, and even alternative financing loans.

AgAmerica’s unique spectrum of land loan products have terms (lengths) ranging from 18 months to 30 years. While the specific terms vary by product, you can have confidence that every loan package is custom-built with our client’s financial goals in mind.

Yes, our lending experts work with you to leverage the value of your land in order 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.

You understand your business better than anyone and we stand by the belief that it’s your right to run your operation as so. We encourage you to use your funds for any business purpose you deem necessary.

Yes, our flexible financing supports the complex needs of our American farmers and ranchers through global consolidation and refinancing on agricultural related debt.

We do not currently offer equipment loans; however, because our loans are secured by land collateral, you have the flexibility to choose how to use your funds for your operation.

Whether you’re expanding your operation or transitioning it to the next generation, our Accelerate program offers flexibility that conventional lending just can’t match. Take a look at some of its perks:

• Fixed-rate financing
• Up to $2.5MM in loan amount
• Cash-out options
• Credit decisions in typically 48-hours
• Convenient digital application
• Limited financial documentation required

Similar to a credit card, our 10-year LOC offers borrowers a revolving credit that can be accessed anytime, for any reason. Funds are available through the life of the loan and interest is only acquired on the portion that is borrowed.

No—you face enough disruptions to your operation. We believe in responsible lending which means keeping your focus on the land by efficiently using your time.

Yes, we do! AgAmerica can finance your recreational land purchase with customized 18 months to 30-year terms so you can enjoy your hunting property now, and for years to come. Visit our agricultural financing page to learn more.

Absolutely, our sales and underwriting teams are ready to work alongside you and your CPA or financial adviser to assist with this process.

We currently do not offer 100% financing for real estate loans. On a first mortgage, we lend up to 75% based on the value of your collateral property. To learn more, read our blog that explains the pros and cons of zero money down farm loans.