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Farm Mortgage Loans

As the nation’s premier non-bank lender specializing in farm loans, agricultural real estate, Ag Lending Group works  with fruit, nut, vegetable growers, cotton and row crop farmers farmers across the United States to fund their operations. Ag Lending Group provides true long term mortgages to every type of farm and orchard across the United States.

We are a provider of full-time beginning farm loans, commercial, hobby farms and farm equity lines of credit. Farm operations seeking between $400,000 and $100,000,000 in farm mortgage financing to refinance, purchase or expand should contact Ag Lending Group today. We will work side by side with you to custom build a loan package designed to meet the unique financial needs of your operation.

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Ranch & Dairy Loans


Ag Lending Group offers ranch and dairy loans across the United States to expand operations, purchase new cattle, real estate or refinance your existing loan at a better rate and term.

Whether you are seeking capital for farm land acquisition purposes, day to day farm operating expenses, farm expansion purposes or to refinance your current mortgage loan Ag Lending Group is here to help. We are confident you’ll be pleased with our knowledgeable staff and products.

  • Low interest rates
  • Up to 60% loan to value   
  • Cash out   
  • No repayment penalty   
  • 10 to 30 year amortization periods 
  • Monthly, semi-annual, and annual payment options   
  • Convertible to other programs on payment dates

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Vineyard and Winery Loans


Ag Lending Group specializes in Vineyard and Winery loans throughout California and Washington. We have helped many of our clients with vineyard development projects and traditional refinances. As the nation’s premier non-bank lender specializing in agricultural you can be assured you are getting the best long term mortgage loan for your Vineyard or Winery.

  • Low interest rates
  • Up to 70% loan to value   
  • Cash out   
  • Loan amount $350,000-$21,000,000   
  • No repayment penalty   
  • 10 to 30 year amortization periods 
  • Monthly, semi-annual, and annual payment options   
  • Convertible to other programs on payment dates

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Bridge Loans

We offer loans that are non-conventional, asset-based loans, often called “hard money” or “bridge” loans, and are primarily based on collateral. These can be used for a variety of purposes.

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Farm Operating and Line of Credit Loans

Tired of worrying that your local lender will not approve next years operating line? Our real estate backed line-of-credit has a 10-year draw period and 30-year term, so that you can concentrate on growing your business instead of going to your bank every year to re-apply for operating funds. Once you are approved for your line, you may use it for any agricultural or business purpose. Our real estate backed revolving line of credit is interest-only payments during the draw period; our line-of-credit is the industry leader.

Farm operating loans and line of credit loans are a financial lifeline to most working farm operations. A farm operating loan or line of credit is revolving debt that can be borrowed and paid back to fund the yearly operating costs of farm operations. Typical farm operating expenses include: seed, fertilizer, labor, irrigation, tillage and harvest. Our real estate backed revolving line of credit can help a farm operation manage its working capital and maintain adequate cash on hand.

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Beginning Farmer Loans

Have you been told you need a bigger down payment than you can possibly afford? By taking advantage of the Beginning Farmer Loan Program, your first farm purchase may not be as difficult as you thought. The program also serves as a great resource to help younger family members transition into the family business.

A beginning farmer is an individual or entity who:

  • – Has not operated a farm for more than 10 years;
  • – Meets the loan eligibility requirements;
  • – Substantially participates in the operation;
  • – Does not own a farm greater than 30 percent of the median size farm in the county;
  • – Must have at least 3 years’ experience on the business side of a farm.

If the applicant is an entity, all members must be related by either blood or marriage and all must be considered beginning farmers.

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Farm Loans by State


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