Refinance Your Ag Loan to Lower Your Monthly,
Quarterly, or Annual Payments

Reduce Your Payments by Consolidating Your Farm Debt

Farmers and ranchers face countless obstacles throughout the years that are often beyond their control. Despite thoughtfully planned business objectives, unexpected challenges can often present roadblocks that cannot be solved with traditional lending.

AgAmerica’s team of financial experts take a hands-on approach when it comes to helping you manage your finances and lending expectations. We take a holistic view of your current farm debt, including operational loans, farm machinery, and land real estate to build a custom loan from our spectrum of lending programs that will help you consolidate your existing debt into one term loan. Ultimately, our mission is to help you save money that can be used as a reinvestment into your agribusiness for future endeavors and operational upgrades.

Strategies to Reduce Semi-Annual or Annual Payments on Agricultural Loans

Lower Your Rate

Periodic changes in your financial situation will often present opportunities for you to refinance and structure new loan terms to better serve your unique financial portfolio. These situations include:

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

Taking all financial factors into consideration, we can refinance your existing farm debt to help consolidate your existing loans to help you access more working capital. We can do this through a number of programs that are designed to serve both your short- and long-term needs. Typically, if you are not a candidate for a conventional loan or refinance, we can use a custom alternative loan to help you focus on improving the profitability of your farm or ranch operation in the short term, while building your financial portfolio to leverage stronger loan terms in the future.

Extend Your Ag Loan

Another way you can save on your loan payments is by extending your repayment period or term length. In doing so, your payments are spread out over a longer period of time, helping you to save in the short term. If you desire to pay your debt off sooner, we can work with you to develop custom terms to meet your objectives or take advantage of our no pre-payment penalties and pay your loan off early.

Consolidate Your Debt

Managing multiple equipment and land loans is difficult. It can also be expensive in the long run due to the varying interest rates throughout the life of each loan. AgAmerica will work with you to identify the strongest refinance solution to help you pay off your farm debt and consolidate your payments into one payment.

Angus Cattle Rancher Consolidates Debt to Increase Monthly Cash Flow

Working with farmers, ranchers, and agribusiness professionals across the nation has proven time and again, that our unique lending solutions can help borrowers achieve their financial goals. We encourage you to get started by using our farm loan calculator to create a preliminary assessment of your lending needs. Once you’ve completed your desired calculations, submit the results and a local Relationship Manager will contact you to discuss your operational needs.

Agriculture land loan calculator

Next Steps: Calculate Your Estimated Agricultural Loan

Working with farmers, ranchers, and agribusiness professionals across the nation has proven time and again, that our unique lending solutions can help borrowers achieve their financial goals. We encourage you to get started by using our farm loan calculator to create a preliminary assessment of your lending needs. Once you’ve completed your desire calculations, submit the results and a local Relationship Manager will contact you to discuss your operational needs.

Ag Lending Experts Rooted in the Agricultural Industry

For centuries, farmers and ranchers have had to overcome the challenge of working with lenders in the agricultural industry who lack a firm grasp on farm operations and the obstacles they face throughout the years. We not only recognize the various challenges you face, but we understand that it’s our responsibility to alleviate the frictions that exist with traditional lending. Our commitment to you begins with our “boots on the ground” regional ag experts. These AgAmericans are rooted in local agricultural communities, which assists our lending team to have a deeper understanding of your unique needs to develop proactive solutions for the lifetime of your loan.

×