Cultivating a cotton farm can be a particularly lucrative investment. Not only does the textile industry rely heavily on it, but cotton farming supplies jobs and income to millions of people! 

It’s not an easy process running a cotton farm while also staying informed on market changes and demand. Having a crew who cares about the operation as much as you do is vital to your success.

With United Ag Lending on your side, you can access the cotton farm loan you need to truly bring your farm to life. In this guide, we’ll cover our loan requirements, our program highlights you’ll be able to enjoy, and what our lending process looks like.  

Cotton farm loan requirements

If you check these boxes, you’re likely a candidate for a loan:

  • Minimum loan amount of $500K
  • 680 or higher credit score
  • Property is 10+ acres

Loan Planning Tool

Cotton farm loan program highlights

You’ll have access to the following highlights with your loan:

  • Loan amounts $500k–$100 million
  • Down payments as low as 25%
  • Fixed farm loan rates from 10 years to 30 years 
  • 1-year to 15-year adjustable rates available
  • Multiple properties or contiguous parcels allowed
  • Outbuildings, sheds, and other land improvements allowed
  • Plus more


Agriculture demands flexibility––so we’ve built flexible programs that meet you where you’re at. You have the choice to repay your loan monthly, semiannually, or annually. 

No prepayment penalty

Many financial institutions penalize borrowers for paying off their loan early (prepayment). We accept prepayment without placing penalties on customers. 

The United Ag Lending process

When you come to United Ag Lending for a cotton farm loan, you’ll go through three main steps: Consultation, Recommendations and Application, and a Continued Resource. 

Step 1: Consultation

This first step is a conversation, which we refer to as a consultation. It’s the step in which we’ll learn about you and your cotton farm plans; you’ll get to learn about us too! 

  • What are your goals? 
  • What are the challenges you face? 
  • Where do you stand financially?

Once we learn about you and your farm, we’ll talk through our programs and begin building your customized cotton farm loan program. 

Step 2: Recommendations and Application 

During this step, your loan program is in the works. We’ll take the information you provided, build your program, and present it to you. We can discuss rates, terms, and answer all your questions. 

Step 3: A Continued Resource 

After you receive cotton farm financing, you can make your production goals happen. We’ll be your ag resource for as long as you need it. Set up a meeting with us or call us any time you have questions. 

Schedule a consultation  

At United Ag Lending, we want to see your cotton farm flourish. 

Schedule your free consultation