AgLoans.com connects farmers, landowners, and agribusiness operators nationwide with specialized agricultural lending partners. We simplify the process of securing farm and land loans with a straightforward advisory approach.

What makes agricultural loans different from other business loans?

Agricultural loans are evaluated around the productive capacity and cash flow cycles of farming operations. Lenders understand seasonal income patterns, commodity price volatility, and production variability. They evaluate the income-generating potential of the land and operation, not just the borrower's personal creditworthiness.

Do I need to own land to qualify for an agricultural loan?

You need agricultural real estate to help secure the loan. That can be land you already own or the land you're buying. Our minimum thresholds are a loan amount of $500,000 or greater and agricultural real estate to help collateralize the loan.

What if my credit score is not perfect?

Credit matters. Lenders look at the whole operation, and a past issue you can explain may not end a request, but weak credit can keep a request from moving forward. There's no credit pull to start. A credit check comes later in the process, and only after you check the box that authorizes it.

How much land do I need for an agricultural loan?

There's no set acreage. What matters to us is a loan amount of $500,000 or greater and agricultural real estate to help secure it. Lenders look at the land's productive capacity and income potential, and some programs have their own acreage rules.

Can I refinance my existing agricultural debt?

Yes, when the loan is $500,000 or greater and secured by agricultural real estate. Whether the new terms are better depends on the lender's offer, so compare it with what you have now.

What if I have judgment or tax issues?

Tax issues or judgments present challenges but may not automatically disqualify you. The key is whether you've resolved the issue and can demonstrate you're managing your obligations going forward. Be transparent about these issues.

How long does the lending process take?

It depends on the lender, the loan type, and how quickly your documents come together. The lender sets the timeline once your formal application is submitted. After your inquiry, our team reaches out, typically within one business day.

How does AgLoans make money if you don't charge me?

AgLoans is compensated by lenders for qualified borrower referrals. We work with multiple underwriters to find you the best solution possible.

What information will AgLoans share with lenders?

We'll share the information you provide on the prequalification form. When you sign our disclosure forms, you're authorizing us to share your information with lenders to find the right program. Nothing goes to underwriting until you say it's ready to go.

If AgLoans connects me with a lender, am I obligated to borrow from them?

No. We work with multiple underwriters to find you the best solution possible, and you decide whether to move forward. You're never obligated to proceed with any lender.

What if I don't qualify?

If your request is under $500,000 or doesn't have agricultural real estate to help secure it, we can't find a product for you, and we'll tell you up front to avoid wasting your time. Feel free to contact us in the future if we can help when your needs change.

What financial documents should I gather before applying?

Gather three years of complete financial statements (balance sheets and income statements), corresponding income tax returns, recent year-to-date financial information if available, and documentation of your production history.

Do I need a formal appraisal before applying?

No. The prequalification process doesn't require an appraisal. When you move to formal underwriting, the lender will order an appraisal. You'll be asked for the approximate value of your property.

Can I apply if I'm in the middle of a challenging year?

Yes. Lenders understand that agriculture has cycles. If you've had a challenging year, be transparent and provide context. Lenders will evaluate your longer-term trend, not just one year.

What interest rates might I expect?

AgLoans cannot quote specific rates, as rates vary by lender, market conditions, and your specific creditworthiness. The lender sets the rate and terms when it reviews your formal application.

What are typical loan terms for agricultural loans?

The lender sets the term and structure, and we don't quote terms. In general, operating lines are short-term and reviewed for renewal, and land loans are long-term. Ask each lender for its terms in writing.

Are there prepayment penalties?

Some agricultural loans have prepayment provisions. Ask the lender about prepayment before you sign.

What fees are typically involved?

Fees vary by lender and loan type. Common fees include application fees, appraisal fees, and closing costs. Your lender will provide a detailed estimate of all fees.

Back to Resources

Frequently Asked Questions

Answers to common questions about agricultural loans and the AgLoans process.

About Agricultural Loans

About AgLoans

About the Application Process

About Loan Terms

Still Have Questions?

Start your loan inquiry or reach out to our team directly.

Start my loan inquiry Call 913-608-7245

Answer a few quick questions. It's free, there's no credit pull to start, and estimates are fine.

Rather talk? Call anytime. If we miss you, leave a message and we'll call you back by Friday, October 9. Or email info@agloans.com.

AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.