Commercial agriculture loans
Financing that speaks fluent agriculture.
Working farms, ranches, orchards, and dairies financed on the operation's strength: purchase, expansion, and refinance with long fixed terms and parcels combined into one note.
Program snapshot
Ag lending at a glance
- Underwritten on
- the operation's strength
- Operations
- crops to cattle to timber
- Terms
- long fixed structures
- Parcels
- combinable into one loan
- Uses
- purchase, expansion, refinance
Programs through specialty agricultural lending partners. Structures and eligibility vary by operation and program and change without notice. Not an offer or approval.
Your banker shouldn't need the farm explained.
We broker specialty agricultural lending partners whose entire book is operations like yours.
the op
is what gets underwritten
Judged by people who read a herd sheet
Agricultural underwriting reads production history, commodity cycles, and Schedule F reality instead of forcing a farm through a strip-mall template. The operation's actual strength carries the file.
- Production and farm financials understood
- Commodity cycles priced, not punished
- Purchase, expansion, and refinance
long
fixed terms on real acreage
Capital that matches crop time
Farm real estate deserves farm-length money: long fixed-rate terms and amortizations that let the land pay for itself across seasons, not a bank balloon that comes due mid-drought.
- Long-term fixed structures
- Amortizations built for agriculture
- No surprise balloons at year five
combine
parcels into one loan
The whole operation, one note
Home place, the leased quarter you finally bought, and the neighbor's forty can roll into a single loan: one payment, one lender, and equity from strong parcels supporting the stretch on new ones.
- Multiple parcels, one closing
- Cross-parcel equity works for you
- Cleaner books for the operation
Built for working ground
From the herd to the harvest, the capital fits the work.
Every kind of operation
Row crops, cattle and dairies, orchards and vineyards, nurseries, timber and logging ground, poultry, and equestrian operations: the specialty ag menu spans the industries your county actually farms, each underwritten in its own language.
Expansion without the wait
When the adjacent parcel lists, farm timing beats bank timing. Acquisition financing against the operation's equity moves at the speed land deals require, with the long-term structure arranged behind it.
Refinance the patchwork
Years of growth often leave a stack of notes: land here, equipment-secured debt there, a balloon looming somewhere. Consolidating farm real estate debt into one long fixed note cleans the balance sheet and usually the payment too.
The homestead stays personal
If the property is really your family's home with agriculture around it, the residential farm and ranch page carries better structures for you, and we'll say so. Operations get commercial paper; homes get home loans; we route honestly.
Farm timing, respected.
- 1
Walk us through the operation
What you produce, the parcels involved, and what the capital does: purchase, expansion, or cleanup.
- 2
We match ag-fluent capital
Specialty agricultural lenders quoted on the operation's strength, structures and terms side by side.
- 3
Close and get back to work
Long-term capital in place, one payment on the books, and the operation's equity working instead of waiting.
The quick eligibility check.
- Crops, cattle, dairy, orchards, vineyards
- Timber, nurseries, poultry, equestrian
- Purchase, expansion, and refinance
- Long fixed terms
- Multiple parcels combinable
- Operation-strength underwriting
More home than operation? Residential farm and ranch carries the homestead. Adding bare ground? Land and lot loans hold the acreage on its own.
Straight answers
What counts as a commercial agricultural loan?
Financing where the property is primarily a working operation: production farms, ranches, dairies, orchards, and timber ground, underwritten on the operation's output and financials. If the property is mostly your residence with farm life around it, the residential farm and ranch programs fit better, and we'll route you there.
My operation's income swings with the seasons and markets. Problem?
It's expected. Agricultural underwriting reads multi-year production history and commodity context instead of demanding the flat monthly income a strip-mall loan wants. Lenders fluent in agriculture already know what a bad hay year looks like.
Can I buy the neighboring parcel with the farm's equity?
That's the classic play: equity in owned ground supports the acquisition, parcels combine into one note, and the operation grows without a fire drill. Land rarely waits, so tell us early.
Can I refinance existing farm debt?
Yes, and consolidation is one of the most common requests: multiple land notes, a balloon that's coming due, or expensive short-term debt rolled into one long fixed loan against the real estate.
Do you finance beginning farmers?
We quote every file honestly. Newer operations lean harder on down payment, off-farm income, and production plans, and certain state and federal beginning-farmer resources can pair with private financing. Bring the plan and we'll map what's real.
What about equipment and operating lines?
Our lane is the real estate: the land, improvements, and facilities. Equipment and operating credit typically ride with ag banks and dealers, and a clean real-estate note usually strengthens those conversations.
The operation earned its next acre.
Two minutes to describe the operation and the goal. No cost, no obligation, and capital quoted by lenders who farm on paper for a living.
Guthix Lending • NMLS# 2672037 · Commercial agricultural loans are business-purpose loans offered through specialty agricultural lending partners, secured by agricultural real estate and subject to operation, production, credit, and appraisal requirements that vary by program and change without notice. Equipment and operating credit are outside the scope of these real estate programs. Not all borrowers or operations will qualify. This is not a commitment to lend or an offer of specific terms.