Agribusiness Lending
Agricultural Financing Built for More Types of Deals
United Ag Lending specializes in wholesale agricultural financing for commercial farms, ranches, and specialty properties.
Our agribusiness lending gives brokers, lenders, and banks another way to serve clients purchasing or refinancing agricultural real estate. It’s especially useful for those who may fall outside conventional mortgage programs.
We help you understand the scenario, identify a suitable path, and keep the process moving for your clients with clear communication from the start.
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Step: 1
Step 1: Start With the Scenario
Tell us about your client, the property, and what they want to accomplish. We’ll review the details early so you have a clearer sense of whether the request fits one of our programs. When we start with the full picture, we can reduce unnecessary back-and-forth later.
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Step: 2
Step: 2 Review the Lending Options
Once we understand the property and financing request, we’ll review available options and explain what we need next. You stay informed throughout the process, while our team’s specialized agricultural knowledge pays attention to details that may be less familiar in conventional lending.
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Step: 3
Step: 3 Move the Loan Forward
We’ll communicate expectations, address questions, and stay engaged as the loan progresses. Our goal is to serve as a dependable resource for agricultural real estate financing, so you can help your client without becoming an expert in every type of farm, ranch, or rural property.
Flexible Financing for Agricultural Businesses
Our programs support a range of agricultural real estate needs, from established commercial operations to specialty properties with unique land uses.
United Ag Lending brings experience with agribusiness lending scenarios that conventional programs may not accommodate, giving lending partners another way to retain existing clients, pursue new business, and expand the financing solutions they can offer.
Program Highlights:
- Minimum loan amounts starting at $500,000 for commercial programs
- Fixed-rate options from 10 to 30 years
- Adjustable-rate options from 1 to 15 years
- Financing for properties with 10 or more acres
- Multiple properties or contiguous parcels may be considered
- Outbuildings, sheds, and land improvements are allowed
- Monthly, semiannual, or annual payment options on qualifying commercial loans
- Loans may be available up to 70% of property value
- Programs for ranches, dairies, orchards, vineyards, and other agricultural industries
Explore Lending Options
See whether your client’s property may fit one of our agricultural loan programs.
Expand What You Can Offer
Add specialized agricultural financing to the solutions available to your clients.
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Serving Brokers
Serving Lenders
Serving Banks
Support Built for Lenders
United Ag Lending gives lending professionals access to specialized programs and experienced guidance. We help you work through unfamiliar scenarios with clear communication and practical expectations throughout the process.
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Hands-On Support
You don’t have to learn every detail of agricultural financing first. We help you understand program requirements, documentation needs, and next steps throughout the loan process.
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Agricultural Real Estate Focus
Our agricultural real estate focus gives us experience with property types and borrower needs that many conventional wholesale programs don’t address, including commercial and specialty scenarios.
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More Ways to Grow
Agricultural financing can help you retain clients whose properties fall outside standard programs while creating another way to build relationships and expand your lending business.
FAQs About Agricultural Business Loans
Get answers to practical questions about evaluating a scenario, preparing a client, and understanding when we are a useful resource for your agribusiness lending.
It helps to know the property’s intended use, whether the operation is commercial or personal, and the approximate loan amount. We’ll also want to understand the borrower’s plans for the property and how they expect to use it over time. Those details can help us identify which program may be worth exploring before you move further into the process.
The exact documentation can vary by agribusiness lending program and borrower. Preparing financial information early can help keep the process moving.
United Ag Lending commonly asks applicants for items such as government-issued identification, bank statements, and tax returns. Pay information and details about assets may also be requested when applicable.
We’ll communicate what’s needed for the specific scenario so you and your client know what to gather next.
Yes, it’s possible to use agricultural real estate financing to refinance existing debt. United Ag Lending has financing options that may be used to refinance agricultural real estate or consolidate existing agricultural debt. Depending on the program and borrower’s goals, refinancing may also support a shorter loan term or cash-out needs.
Because every property and financial situation is different, we recommend reviewing the existing debt and intended outcome early so we can help determine which options may apply.
The borrower’s intended use of the property is one of the main distinctions between commercial and hobby farm designation.
Commercial programs generally fit operations where agriculture is a primary business activity, while hobby farm programs are designed for smaller-scale agricultural properties where farming isn’t the borrower’s primary source of income. Hobby farm properties must also include a residence under United Ag Lending’s program guidelines.
If the classification isn’t obvious, we can help you evaluate the scenario before you choose a path.
Let’s Talk Through the Deal
Have an agricultural property scenario to discuss? Share the details with United Ag Lending, and we’ll help you determine the next step.