AgAmerica Pivot Program

At AgAmerica, we provide simple solutions for a complex industry. We believe in financing that is free from annual paperwork requirements, resting periods, non-use fees, and prepayment penalties. We offer a spectrum of customizable loan products with competitive rates that range from conventional to asset-based, up to 30 years.

We only request three main items upfront, which include three years of tax returns, a balance sheet, and AgAmerica loan application. This information gives us a good understanding of your financial background and intended use for the funds. Once we receive those documents, we can communicate the right loan program that meets your unique needs. An expedited approval process with minimal required documentation option is also available for qualified candidates through AgAmerica's Accelerate Loan Program. 

AgAmerica Pivot™ is a land financing program designed to help farmers and ranchers with their land ownership needs. It offers short-term, interest-only options, which allow farmers and ranchers to reduce their loan payments by leveraging their land as collateral. This can provide additional cash flow that can be used towards the purchase of necessary agricultural equipment such as pivots or other necessary equipment. It should be noted that this program is not specifically for the purchase of agricultural equipment, but by providing financial relief, it can assist farmers and ranchers in making equipment purchases.

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.