Pursue an Orchard Loan with United Ag Lending

An orchard can be quite a fruitful investment, but just like any commercial farming venture, it requires tons of planning and consideration. Site selection, soil health, and tree planting are just a few initial considerations for this type of farm.

If you have dreams to begin a fruit or nut production business, or extend a preexisting one, we have a program for you! Learn all about the requirements, program highlights, and the process of acquiring an orchard loan with the experts at United Ag Lending.

Orchard loan requirements

Minimum loan amount of $500K
680 or higher credit score
10+ acreage requirement

Orchard loan program highlights

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

Repayment

At United Ag Lending, we meet farmers where they are. We offer multiple repayment options so that you can choose which timeline works best for you and your one-of-a-kind operation. You can repay monthly, semiannually, or annually. If you have a different repayment schedule in mind, let us know.

No prepayment penalty

Prepayment describes a borrower who pays off their loan early; we don’t penalize for this.

The United Ag Lending process

The process of obtaining an orchard loan contains three main steps: Consultation, Recommendations and Application, and a Continued Resource.

Step 1: Consultation

Step 1 of our process is a consultation. We treat it as a conversation in which we ask you about yourself, your farming history, and your orchard plans. This is also your opportunity to learn more about our team and how the purchasing process works.

We’ll talk about:

Your qualifications and financial abilities
Your orchard plans
Our loan program options

We recommend skimming our glossary on our website. It’ll help you better understand any loan lingo we use in our meetings. If you don’t have time, don’t stress; we’re happy to explain any unfamiliar terms.

Step 2: Recommendations and Application

Once we wrap up the consultation, our loan experts will start devising your program so that you can get your orchard started as soon as possible. We’ll present your different loan rate options and you’ll have the opportunity to choose what works best for you.

Step 3: A Continued Resource

Once we strike a deal, you’ll be free to start growing your orchard. As your agricultural financing team, we’ll always be available for questions and guidance throughout your loan life and after.

Set up your consultation

Tell us about your orchard plans during a consultation:

Call us or submit a form to set up your consultation.