Whether you have a passion for wine, simply watching your fruit grow, or you want to start your own business, you have financing options. After all, one of the greatest parts about the ag industry is all of the options you do have. Unimproved or more developed land, home on the property or no home—the choice is all yours.

At United Ag Lending, we’re here to listen to the goals you have and help make them happen by providing you with the financial support you need. We’ll treat your vineyard loan like the one-of-a-kind solution it is. Here’s what the 4 steps to vineyard financing with us look like!

1. Have a plan

The first thing you want to do before making the jump is build a plan. What do you want your vineyard to look like? Where will it be? How many acres do you need? What is your end goal for starting a vineyard? There aren’t any wrong answers, but our loan officers will definitely be asking these questions, so it’s good to have some answers prepared. 

Related: Winery Financing: What’s in It For Me?

2. Schedule your consultation

Once you have some form of a plan, the next step is to reach out to our team to set up a consultation. During this meeting, we’ll get to know you and your goals and start figuring out how we can make them come alive. We have multiple different loan programs, so our goal will be deciding which is the best fit and how we can mold it to fit your needs. 

Just so we have an idea of what we’re working with, we’ll also ask about your financial abilities. This conversation will help you and our team decide if working together is the right decision. 

3. Apply 

The next step after the consultation is the application process. Our ag experts are an active part of this process as well to help you understand your vineyard loan fully. We pride ourselves on being supportive during the entire loan process. We’re here to answer any questions you may have about it.

4. Keep up with us 

Though during the application and approval process is the time we’re needed most, that isn’t where our support ends. Well into your journey with your vineyard loan, our team will still be there for support and guidance.

Contact us with questions at any time. You can either drop by our office or we can hop on the phone. 

Vineyard loan requirements

In order to receive a vineyard loan with us, you’ll need to meet these requirements:

  • 680 or higher credit score
  • 5+ acreage requirement
  • More specific requirements may apply based on whether it’s hobby or commercial

Vineyard loan program perks

Here are just a handful of perks available to you with a vineyard loan from United Ag Lending:

  • Loan amounts up to $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

Get in touch  

The team at United Ag Lending is ready to hear your plans for your vineyard. Let’s get in touch!  

Call us or send us a message to schedule your free consultation.