With an average of 230 days of sunshine a year, you can imagine the number of farms that thrive in Florida. Ranked 15th in states for farming and producing over 300 commodities, the opportunities in The Sunshine State are unlimited. 

Oranges, greenhouse and nursery products, cane, and cattle are just the beginning of what you can do with a hobby farm in Florida. And all of this with clearwater beaches near makes it the ideal destination to explore your hobbies and learn some new skills.

At United Ag Lending, we can help you turn your hobby farm ideas into actionable steps. As agricultural experts ourselves, we know the struggles of farming all too well. Having this knowledge allows us to tailor our loan programs to specific farmers, since each farm has its own set of financial hurdles. 

Benefits of financing with United Ag Lending

We make it our mission to understand your hobby farm vision. If you tell us your goals for your hobby farm, we will work to make them happen. 

There are financial limitations associated with applying for a hobby farm loan in Florida, but  financing with United Ag Lending can cut those limitations down. 

The benefits 

  • Loans up to $2 million with Schedule F income allowed
  • Land value can exceed 30% of appraised value
  • Fixed 15 and 30-year terms 
  • Dwelling value only requires to be 25% of value (lower allowed on a case-by-case basis)
  • Farming income allowed, if not sole income

If these benefits fit your needs so far, then make sure to check out the rest of our benefits on our website. 

Our Florida hobby farm loan process 

The process of obtaining a hobby farm loan in Florida contains three main steps: Consultation, Recommendations & Application, and a Continued Resource. 

Step 1: Consultation

This is the part where we get to see your hobby farm vision. Take us through your goals and plans and don’t leave out any of the details. One of our favorite parts of this process is learning about you and your creative ideas. 

The more detail you give, the better we will be able to customize your loan program. This is also an opportunity for you to ask us questions about our programs and what we do as a company

We will discuss:

  • Your qualifications and financial abilities
  • Your purpose for the land
  • Our loan programs 

Step 2: Recommendations & Application 

The next step is where it gets a little more technical. Our loan officers will take the information you provided and build your personalized loan program. 

If the plan they came up with sounds good to you, you will start the application process. But don’t worry, we can help you through any section you need. 

Step 3: A Continued Resource 

Not only are we here to help you throughout the term of your loan, we are here to help you after, too. Once you work with us, you’ll have us on your side indefinitely. 

Give us a call or email us at any time with questions. 

Up Next: 5 Traits to Look For in an Ag Lender: Ag Land Loans 

Claim your hobby farm loan in Florida 

Hobby and skill exploration in The Sunshine State awaits. Tell us about your ideas to get your loan process started.  

Other states we serve for hobby farming:

Arizona, Arkansas, California, Colorado, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, Wyoming.