Farm Loans
United Ag Lending
Specialized Loan Services for Agribusiness, Farming, Hobby Farms & Rural Residential. Proudly financing property of all sizes and types.
Commercial farm loans, hobby farms, and rural residential from United Ag Lending have changed the game for rural property owners. As a premiere non-bank lender, we have the flexibility to offer you creative, competitive financing options for your rural residential loans or commercial farm loans.
Our variety of lending programs are perfectly suited to the needs of agribusiness landowners, hobby farmers, and those wanting land for recreational use.
Uniting People with Possibilities
Agricultural lending is a specialized service. You need a lender who understands your needs and has the experience to help you navigate a rapidly changing economy. We offer lending programs perfectly suited to the needs of a producer, rural residential land owner, or agribusiness.
Whether you’re looking to expand a commercial farm or move to the perfect rural property, we can help you pursue your dreams of a country lifestyle.
Rural property financing and helping our customers achieve their long-term goals is what motivates us at United Ag Lending. We work hard-to-find the best loans for your specific goals and dreams. With a variety of farm loans, rural residential loans, and low-interest options, you can buy land to build what you’ve always wanted. Whether you’re purchasing land, expanding your operation, increasing working capital, or simply refinancing, we’ve got you covered.
FREQUENTLY ASKED QUESTIONS
Applying for farm loans of any kind can feel overwhelming. But it doesn’t have to be. Get insight into some industry terms with our glossary or get answers to some frequently asked questions below.
Are United Ag Loans for farmers only?
What is the best United Ag program for me?
Which program does my property qualify for?
So if you’re looking to buy land, buy an existing farm, or refinance your existing property, we have a program that will fit your needs.
Do you have a minimum credit score requirement?
Where is United Ag located and where do you make loans?
Commercial Agriculture and Farm Loans
Our commercial farm loans can help you support your business goals for your farming business.
Whether you are looking to buy additional land to expand your operation, increase your farm capital, or consolidate loans, we can help! Our commercial farm loans offer farmers the agriculture financing needed to expand and keep their businesses running.
With a variety of commercial farm loans to choose from—including 30-year fixed-rate loans, adjustable rate loans, cross collateralization and more—we can meet your financial needs to expand your business, or help finance operations from year to year.

Commercial Loans
United Ag’s commercial farm loans are flexible and have the capacity to meet a wide range of agricultural needs. This is something we’re proud to offer our clients across the country.
If you need a certain number of acres or specific geographical amenities, our commercial farm and agriculture loans can help you find the right solution.
Some benefits of our commercial farm loans include:
- Loans targeting different industries like logging and forestry, nurseries, orchards, vineyards, dairies, ranches, cattle and more
- Fixed-rate and adjustable loans up to 30 years with no prepayment penalty or short term adjustable products
- Monthly, annual or semiannual payment options
Hobby Farm Loans
Our hobby farm loans are about saying “yes” to your goal of having your ideal hobby farm. Many banks or lenders might reject hobby farm loans due to the property being zoned as AG Schedule F (Farm) income or a variety of other factors. But that is not the case with United Ag Lending.
Our hobby farm loans program fits all of these situations and more. We’ve specifically designed our loans for properties that fall outside of the traditional hobby farm guidelines.
We welcome hobby farms with indoor and outdoor horse arenas with no set limit of horse stalls. We also welcome vineyards and multiple dwellings on the property, among other specifications.

Hobby farms
This program helps put you on a positive trajectory. Working with United Ag Lending for hobby farm loans can benefit you in the following ways:
- Dwellings with up to 160 acres with more acreage allowed on a case-by-case basis
- Loans can be offered up to $2 million with Schedule F (Farm) income allowed
- Land value can exceed 30% of appraised value, which is something that other lenders don’t allow
- 50 heads of livestock or less are acceptable on the land
To learn more about what our hobby farm loans focus on, take a look at our program highlights or speak to a member of our team!
Rural Residential Loans
Our rural residential program can make your dream of living on your own secluded land a reality. Regardless if you’re a first time rural home buyer or you’ve lived in the country your whole life, our rural loan programs can extend to meet your rural residential needs!
With an emphasis on rural residential properties, we’ve tailored this program specifically for non-commercial use.
The benefits of living the country lifestyle are nearly endless, and we’re excited to help you experience those benefits at United Ag Lending.

Rural Residential
These benefits can include:
- Fixed rate 15 and 30 year loans with low rates available
- Agricultural properties allowed but not required
- Purchase, refinance, and cash out loans offered for qualified applicants
- Owner-occupied and second homes allowed
- Barndominiums, shed homes and shop homes allowed
- 5 to 160 acres (home value only required to be at least 30% of overall value)
- Homes with pasture land and tillable acreage
- Schedule F (Farm) income allowed
If you’d like to explore our commercial property loans, we have a competitive commercial program to satisfy your expectations.
Get Started
The process is quick and easy.
Answer a few quick questions and we’ll determine which loan program is perfect for you!
From our Customers

Justin From Missouri
Anthony and his team were awesome. We were under some tight deadlines and we had our fair share of implements in our way to achieve our close date. But United Ag was in constant communication every step of the way. I probably wouldn’t be writing this review from my new home had I work with another lender. I wish I could give more than 5 stars on this rating.

Justin From Missouri
Anthony and his team were awesome. We were under some tight deadlines and we had our fair share of implements in our way to achieve our close date. But United Ag was in constant communication every step of the way. I probably wouldn’t be writing this review from my new home had I work with another lender. I wish I could give more than 5 stars on this rating.

Renei From Washington
I cannot stress enough the ease and reassurance of working with the team at United Ag Lending. I have worked with them on both a purchase and, more recently, a refinance, and I am very confident in recommending them. My United Ag rep, Anthony, was able to help simplify issues for my 63yr old ranching father who struggles with technology, but also keep the process simple and streamlined for us in both the purchase and the refinance. I highly recommend and often do, Anthony Mesh and his team for any land loan needs.

Renei From Washington
I cannot stress enough the ease and reassurance of working with the team at United Ag Lending. I have worked with them on both a purchase and, more recently, a refinance, and I am very confident in recommending them. My United Ag rep, Anthony, was able to help simplify issues for my 63yr old ranching father who struggles with technology, but also keep the process simple and streamlined for us in both the purchase and the refinance. I highly recommend and often do, Anthony Mesh and his team for any land loan needs.

Ben From Kansas
Anthony and everyone United Ag were great to work with in making our first ag purchase. Everything was completely explained and all our questions were answered in a timely and professional manner. We were very comfortable and pleased while working through our purchase.

Ben From Kansas
Anthony and everyone United Ag were great to work with in making our first ag purchase. Everything was completely explained and all our questions were answered in a timely and professional manner. We were very comfortable and pleased while working through our purchase.