Farm Loans

Financing Guidance Nationwide

Agri-One Financial offers loan products with competitive rates to purchase or refinance farm real estate. Farm loans can have extended maturities with fixed or adjustable term rates. Farm loan approval is normally based upon our underwriting standards as shown on this page. From the first-time farmer or rancher in North Carolina to the established farmer or rancher in California, Agri-One Financial has the loan product to fit your needs.

Key Eligibility Criteria

Loan-to-Value (LTV): 75% or less
Minimum Gross Farm Income: $5,000 annually

Qualifying Operations Include:

  • Row crops: corn, soybeans, wheat, barley, cotton, tobacco, rice, peanuts
  • Ranches: livestock, alfalfa, CRP
  • Livestock: beef, dairy, sheep
  • Integrator contracts: swine, turkeys, broilers, breeders, layers
  • Permanent plantings: tree fruit, nuts, citrus, grapes, berries
  • Timber: hardwood, pine
  • Aquaculture: prawns, salmon, trout

Understanding Your Options

  • Debt To Asset Percentage of 55% or less
  • Current Ratio of at least 1:1
  • Cash Available to Service Debt of 1.00:1 for FSA, 1.25:1 or better for all other loans.
  • Acceptable Credit History and minimum median credit score of around 660, although not on all programs.

  • 3-Month Adjustable: Low interest, no balloon, converts for 1% fee

  • 6-Month Adjustable: Good for fast debt paydown

  • 1-Year Adjustable: Rolls yearly with flexible terms

  • 3/1 & 5/1 Adjustable: Hybrid fixed-to-floating

  • 3, 5, 7-Year Adjustable: Stable for medium term

  • 7/1, 10/1 Adjustable: Longer fixed period, then adjustable

  • 10–30 Year Fixed: Fully amortizing, ideal for long-term stability

Loan products are often tied to one of the following benchmark rates, which influence how interest is calculated and adjusted.

LIBOR (London Interbank Offered Rate)

A globally used benchmark that reflects the average interest rate at which major international banks lend to one another. Common for adjustable-rate loans.

United States Treasuries

Backed by the U.S. government, these rates are based on Treasury bond yields and are considered very stable. Ideal for borrowers wanting predictable adjustments.

Farm Credit Bank Funding Corporation Bonds

These bonds are part of the U.S. Farm Credit System and serve as a reliable benchmark for many agriculture-focused lenders.

Prime Credit

The rate commercial banks offer to their most creditworthy clients. It often moves with the Federal Reserve rate and is widely used for consumer and business loans.

FAQs

These frequently asked questions are designed to help you understand some of the more common questions we are asked. We’re placing them here to help you better understand all Agri-One Financial has to offer.

What are your rates?

Because Agri-One Financial works with a variety of lenders and loan products, interest rates can vary depending on the type of loan, your financial profile, and current market conditions. We’ll help you evaluate options and determine what rate range may be available to you.

To get an accurate estimate, give us a call at 303-773-3545 — we’re happy to talk through your needs and current loan rates.

There is a minimum loam amount of $200,000. No maximum loan amount. Our sweet spot is 10 to 15 million. Minimum origination fee is $2,500, regardless of loan amount.

A farm is determined as an operation generating a minimum of $5,000 in gross farm income (GFI) as filed by a Schedule F of income tax returns; we do have other loan programs that may fit your needs if you do not meet this requirement. Acreage is not necessarily a factor since parcels as small as 10 acres can generate the minimum GFI when higher value crops such as tree fruit and nuts are in production.

Most farm loans close within 45 to 90 days after we receive your complete loan package (excluding the appraisal). Timelines can vary depending on how quickly appraisers and title companies complete their part, but we’ll keep you updated every step of the way.

No — for an appraisal to be accepted, it must be either ordered directly by the lender or officially reassigned to them by the original client. Appraisals ordered by the property owner aren’t eligible.

This process ensures the appraisal meets strict lending requirements and remains fully compliant with underwriting standards.

In most cases, we can help you finance up to 75% of the farm’s purchase price. For example, if you’re buying a farm for $100,000, your loan amount could be up to $75,000. You’d need to cover the remaining $25,000 through a down payment or by pledging additional real estate with enough equity.

We’ll help you structure the deal to match your situation and financial goals.

Yes — we can often help consolidate debt, including credit cards or other obligations. However, most loan programs limit non-real estate debt payoff to 25% of the total loan amount. That means only a portion of the loan can go toward things like credit cards or equipment debt.

That said, we do work with some lenders who offer more flexible cash-out options, depending on your situation.

Yes — we often work with first-time farmers and can help you explore programs designed specifically for new producers. In many cases, we can assist in structuring financing that covers up to 100% of the purchase price, often in partnership with a direct loan from the Farm Service Agency (FSA).

We’ll help you understand what’s available and walk you through the steps.

In most cases, you’ll need to wait until your bankruptcy has been discharged for at least 4 years before we can move forward with a loan application. Once that period has passed, we’re happy to review your situation and help you explore available financing options.

Yes — we can often assist with financing for larger horse breeding operations, especially those located in areas with other similar facilities. Boarding-only farms may not qualify under traditional programs, but we also have alternative options that may fit depending on your operation and location.

Let’s talk through the details to see what’s possible for your specific needs.

Not necessarily. You can still be eligible for a farm loan if you rent your land out, either on a cash rent or share-crop basis. The key requirement is that the operation generates at least $5,000 in gross farm income — whether that income comes from crop sales or rental revenue.