AgAmerica Recaps the World Forestry Conference

The World Foresty Center in Portland, Oregon, once again hosted the ‘Who Will Own the Forest?’ Conference focusing on timber investment in the U.S. and abroad.

Timber in the U.S. and in overseas markets was the focus of the Who Will Own the Forest? Conference, held September 20-22 at the World Forestry Center in Portland, Oregon. The event brought timber investors together to explore domestic and overseas institutional timberland investing. AgAmerica Lending’s President/ CEO Brian Philpot attended the event. In its 12th year, the conference focused on important topics in the timberland industry.  Find an overview below.Read More

Read More

Timberland Conversion

To ensure the profitability of your property, it pays to assess and determine the proper use for your land. Many landowners have discovered that dividing their land for different uses boosts profit by establishing a complimentary cash flow.

Does it make sense to divide and convert your land?

The answer to that question depends on a multitude of factors:

  • Location
  • Soil type
  • Water supply, and
  • Topography


Suffice it to say, many variables come into play.

That all being said, timberland conversion is all the rave these days, especially in Southeast regions, where timberland is readily available and there is a shortage of farmland. For this reason, there are many instances of converting timberland into farmland and the phenomenon is only expected to continue. As the drought persists in the West and regions of the Midwest, timberland conversions are expected to increase as the demand for irrigated farmland in the Southeast increases.

Bottom-line: Land conversion is definitely a viable, even popular, option today should the conversion analysis appear favorable.

If it does seem favorable, all that’s required is the right type of farmer to do the job. If you’re that farmer – if you have successfully evaluated your timberland and deemed it optimal for conversion – consider AgAmerica, a leader in ag lending, your farmland financing resource.

Our AgAmerica farm loans cover all facets of farming. Whether it’s time to convert your timberland or plant timber, these ag loans – with interest rates that often beat all other agriculture loan programs – are a great choice. Contact us to learn more!

Read More

AgAmerica Lending Secures Ag Loan for U.S. Armed Forces Member

AgAmerica Lending was proud to help a member of our Armed Forces with financing on his property in South Carolina. This borrower had a hard time getting the rates low enough to make sense, until he called Bryce Philpot at AgAmerica.

By taking a global look at this South Carolina military member’s assets, AgAmerican was able to use the equity in this borrower’s timberland to finance a meaningful agricultural project.

Through our special AgAmerica Lending Program, we were able to get this timberland owner the cash necessary to build a much-needed barn on his South Carolina agriculture property.

AgAmerica Lending Program 

In addition to our multitude of loan products, AgAmerica Lending is proud to be the only lending institution in the Southeast authorized to offer conventional agricultural real estate loans through the AgAmerica Lending Program.

AgAmerica Lending by AgAmerica offers:

  • Up to 25-Year Amortizations
  • Very Low Interest Rates
  • Flexible Payment Plan Options
  • No Standard Prepayment Penalty
  • No Annual Requests of Updated Tax Returns/Balance Sheets
  • No Annual Renewals!


Covering all facets of farming, from watermelon farms to vast cattle ranches, these loans feature interest rates that often beat all other agriculture loan programs. Loan types range from 7-year terms to more traditional, 25-year fully-amortized loans to a revolving line of credit in order to best suit your agricultural project at hand.

Like with all of our loan programs, our AgAmerica Lending Program strives to provide a personal, responsive service to all customers. With our own extensive experience buying, selling, and managing agriculture land, and with staff that includes employees whose own farming histories stretch back generations, we understand the ins and outs of both the agriculture and lending industries. Suffice it to say, AgAmerica not only offers ag lending solutions, but supportive, professional long-standing relationships as well.

Our ag loan experts have a knack for taking a global look at borrowers’ finances to determine where money can be saved to best set up their agribusinesses for long-term success. To discuss agricultural refinancing options, contact us!

More on AgAmerica Lending...

AgAmerica Lending, a Land South Group Company, is a money lender and mortgage investor based in Central Florida. As a licensed Florida Mortgage Lender and licensed Florida Consumer Finance Company, AgAmerica accepts, underwrites, funds, and services the loans it makes. AgAmerica Lending provides a variety of loan products, including conventional agricultural real estate loans and non-conventional, fixed or floating-rate bridge loans through its AgAmerica Lending and Transitional Lending programs. Need cash to expand row crop production? Time to refinance a high-interest farm or ranch loan? Call on AgAmerica Lending.

Read More

5 Reasons to Invest in Timberland

Timberland as an asset has become a very lucrative means of profit for many, especially in Southwest regions of the U.S. such as Florida. Timberland holders have a great opportunity to create profit.


  1. Timberland appreciates in value, just for the fact that its land, but the added value of the timber increases the price per square foot.
  2. Timberland is a continuously appreciating asset that proves to be profitable despite national economic activity.
  3. Timberland can also be leased to sportsmen enthusiasts as hunting property. Hunting leases are a rare commodity and can be negotiated for a profitable cash flow.
  4. Timberland provides profit through its timber value; timber can be cut and sold to sawmills and different companies to produce a number of forest products, such as lumber, plywood, pulp, and paper products.
  5. The risks associated with timberland are minimal (mostly physical risks due to lack of control over the environment i.e. fires, natural disasters, pest, disease outbreaks, etc.)


There is no doubt that timberland is a valuable asset. However, before you invest in timberland, it’s important to be aware of the factors affecting forestland valuation. Despite its abundance, timberland has proven to be a complex asset to valuate on a short-term scale. Many underwriters have a difficult time analyzing income taxes and finding an annual value of timberland that accurately depicts the landowner’s true financial status.

The key to understanding and underwriting forestland assets is to understand the strategic way forest landowners and their management teams approach the preparation of their income taxes. The most important factors include: the way in which the property was obtained, the purpose and actual use of the property, and the way in which expenses and income are perceived. This planning strategy is complex and at times can make it difficult to recognize actual and real profits, losses, and expenses over a short period of time. There are tax considerations, cost considerations, and income considerations to determine before the true value of timberland can be assessed.

All these considerations must be reviewed before timberland loans can be approved.

If you have any questions or need additional information on timberland loans and financing, please contact us at

Based on a whitepaper by Carolina Hernandez, a Land South analyst.

Read More