Agricultural Loans
Our Programs

United Ag Lending Programs
Specialized Loan Services for Agribusiness, Farming, Hobby Farms & Rural Residential. Proudly financing property of all sizes and types.
United Ag Lending programs are flexible agricultural loans that have changed the game for rural Americans. As a premiere, non-bank lender, we have the flexibility to offer you creative, competitive financing options. Our mission is to bridge the gap between our customers and the rapidly changing economy by giving them the financial resources to meet their needs. Some of our agricultural loans can include:
- Dairy Farms
- Cattle, Bison, and Hog Farms
- Avocado Farms, Almond Farms
- Wheat, Hay, and Corn Farms
- Orange Groves, Blueberry Farms, Soybean Farms
- Vineyards
- And more

Program Highlights
- Loans offered for logging and forestry, nurseries, orchards, vineyards, dairies, ranches, cattle and more
- Fixed-rate loans up to 30 years with no pre-payment penalty or short term adjustable products
- Monthly, annual or semiannual payment options
- Flexible products for farmers looking to expand their operation, refinance to a more favorable loan, or consolidate debt
- Loans up to 70% of value offered
Farm & Agriculture Loans
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.
Hobby Farm Loans
Our hobby farm loans are offered to borrowers who have innovative ideas for their project, and we can affirm these projects with fixed rate terms and noearly payment penalties. Our loans are ideal for hobby farms with:
- Indoor and outdoor horse arenas (with no cap on a number of stalls)
- Permanent plantings
- Vineyards
- Crops
- Multiple parcels of land
- Multiple homes on the property
- And more

Program Highlights
- Home with up to 160 acres (more allowed on a case-by-case basis)
- Ag-Exempt Properties
- Loans up to $2 million and Schedule F (Farm) income allowed
- Purchase, rate/term and cash out refinances to pay off debt, home or land improvements, or cash in hand
- Consolidate land and construction loans in to permanent mortgage loan
- Primary homes or second homes
- Land value can exceed 30% of appraised value (other lenders don’t allow this).
- Dwelling value only requires to be 25% of value (lower allowed on a case-by-case basis)
- Multiple parcels allowed and parcels within reasonable proximity of each other (combine properties)
- Farming and farm income allowed, if not sole income
- Horse facility with indoor/outdoor arena and no limitation on horse stables
- 50 heads of livestock or less are acceptable
- Shed homes, barndaminiums with typical living quarters, log homes and multiple homes allowed on property
- Fixed 15 and 30-year terms

Program Highlights
- Fixed rate 15 and 30-year loans with low rates available
- Ag-exempt properties allowed but not required
- Purchase, refinance and cash out loans offered
- Owner-occupied and second homes allowed
- Barndominiums, shed homes and shop homes allowed
- 5 to 160 Acres (home value only required to be 30% of overall value)
- Homes with pasture land and tillable acreage
- Schedule F (Farm) income allowed
Rural Residential Loans
Our rural residential loans can help you acquire the kind of ideal property for recreationaal activities like hunting, fishing, and ATV riding. This program is also attractive for buyers who would like to manage a small amount of livestock and crops.
Land Loans
We offer loans with fixed rate terms up to 30 years or arm products – whichever fits your needs and goals.

Program Highlights
- Down payments as low as 25%
- Fixed-rate loans from 10 years to 30 years fixed
- Minimum loan size – $500K
- 1-year to 15-year adjustable rates are available
- Minimum acreage – 10 acres
- Multiple properties or contiguous parcels
- Outbuildings, sheds and other land improvements allowed
From Our Customers

Justin From Missouri

Stephany From Missouri

Jennifer From Kansas

Tracy From Kansas

Ben From Kansas
