About
A Legacy of Solutions
For years, United Ag Lending has been more than just a financial provider—we’ve been a trusted partner in the success of rural communities. Built on deep roots in agriculture and a commitment to exceptional service, we focus on long-term relationships, personalized attention, and simplifying the complexities of ag lending.
As a team with decades of experience, we have an acute understanding of the financial challenges that rural Americans face. It’s with this in mind that we’re proud to call ourselves a satisfying solution to those challenges.
Why United Ag Lending?
Grow Your Reach: We know you’re working hard to serve your ag clients, and we’re here to help you do it better. With specialized ag lending support, streamlined processes, and a partner who understands your goals, we make it easier to close deals and deliver more value to your borrowers.
Exclusive Lending Solutions: Most lenders don’t offer the kind of ag financing tools your clients truly need—but we do. From multi-parcel loans to specialized land financing structures, our programs give you access to lending solutions that are hard to find elsewhere. When you partner with United Ag Lending, you unlock opportunities your borrowers can’t get without you.
A Clear Process: Finances are often tough for your clients to wrap their heads around. Unclear expectations and confusing paperwork are the last things they need. Our process is as clear as it gets—you can count on us for transparent communication and clear instructions.
Good Reputation: We’ll let our partners speak for themselves on how we’ve helped their journeys—check out our testimonials and reviews.
-
Step: 1
Consultation
To get the process started, we’ll begin with an introductory conversation to get to know you and your needs.
-
Step: 2
Recommendations
After getting to know you and your client’s property plans, our team will customize a loan program that fits their goals.
-
Step: 3
Receive Loan
Once your client receives their loan and starts making their plans happen, we will continue being a trusted resource to you.
Our Expertise In Helping You Purchase Property
We want to share with you some helpful tips for purchasing property so that you can feel confident in whatever decision your client makes.
Uncover your client’s purpose for pursuing ag financing (and their purpose for pursuing the land/home). The more you understand their plans, the easier and quicker the loan process will be.
Get your gears turning with these questions:
If your client is seeking commercial financing:
- What do they want their operation to focus on?
- What are they planning to sell?
- Do they still need machinery or other equipment to run their operation?
- What loan amount will they need?
- How do they plan to use the funds?
- What do they project their farm to be like in a year or two?
If your client is seeking hobby or residential financing:
- What is the purpose of the loan? (I.e. are they simply wanting to live in a rural area or start a plant nursery for side income?)
- Does the land have potential for agricultural use?
- What loan amount do they need?
- How do they plan to use the funds?
If your client is using their land commercially or agriculturally in any facet, they’ll need to make sure the land has all the resources it needs to support their plans.
If your client has livestock to sustain, they’ll want to ensure they have enough grazeable acreage. Some land has a predetermined grazeable acreage allowance due to water source availability.
Are there certain activities that are restricted on the land? Check with the county.
What We Believe In
At United Ag Lending we believe in the following:
-
Communication
Our customers should never be caught off guard during the loan process, as we will continually keep them informed.
-
Endurance
The road to our customers’ financial success requires dedication on our part. We will remain steadfast in our commitment to their financial achievements.
-
Simplicity
Our customers deserve a simplified process. It is our intention to be their simplest solution to meet their needs, and we have a track record of being just that.
Get Started
If you’re ready to expand your ag lending capabilities, we’re ready to partner with you. Let’s find the right solutions to help you serve new clients and grow your success. Contact us to start the conversation. We look forward to hearing from you.
Our Process Details
Our goal in every partnership is to build lasting, collaborative relationships. We understand that in ag lending, the process can often feel bogged down by paperwork and red tape. That’s why we take the time to understand your goals—so we can help you better serve your clients.
At the end of the day, our success depends on your ability to deliver smart, strategic financing to the people who count on you. That’s what drives us to provide solutions that empower both you and your borrowers to thrive.
-
The first step of our ag financing process is a free consultation. Formalities aside, this is just a conversation where we’ll get to know each other. Our team will ask you about your goals and plans for your property, and you’ll get to ask us questions about our programs, processes, and anything else.
Prior to your consultation, you can mull these questions over:
- What is the purpose of the loan?
- How do you plan to use the funds?
- What is the acreage of the land?
- Does the land have a residence?
- What is the land value?
- Does the land have potential for agricultural use?
- What loan amount do you need?
-
After getting to know you and your property plans, our loan officers will customize a loan program that fits your goals. In the ag financing world, every property and plan is one-of-a-kind, therefore the program needs to reflect this.
When creating your customized, flexible program, we consider:
- Land or property size
- Land Use
- Price of the land or property
- Highest and best use
- Credit score
- Operations
We’ll talk through terms, rates, repayment, and all the fine details to make sure you’re clear on everything. With our ag professionals on your side, you’ll never feel lost.
-
Once you have received your loan and you start making your plans happen, we will continue being a trusted resource to you. This is the case for the duration of your loan and beyond. Reach out to us anytime you have questions.
Overview of Our Programs
Commercial Farms
We serve a number of different industries with our commercial farm loans. If you want to help feed and sustain your community while making a living, we can help make that happen.
Some of the commercial industries we’ve financed include:
- Livestock and ranches
- Dairy farms
- Commercial crops (i.e. wheat, cotton, soybean)
- Orchards and vineyards
- Equestrian properties
Hobby Farms
One of our priorities at United Ag Lending is giving loan officers the resources they need to help their clients pursue their passions without stress. Financial limitations—and other strict rules traditional lenders place on hobby farms—won’t get in the way here. Your client will have the financial flexibility to make their hobby farm what they want it to be, and even earn side income!
Ask your client these questions when helping them with a hobby farm loan:
- What do you want your hobby farm to focus on?
- Are you wanting to make any income?
- Will you live on your hobby farm full-time or part-time?