Answer a few questions about your operation and the loan you need. Our team turns it into a clean, organized summary that agricultural lenders can actually act on — at no cost to you. The more complete your answers, the faster we can match you to the right lender.
Submit your details and we organize them into a summary built the way ag lenders want to see it.
This is a complimentary service. You're never charged, and you decide whether to move forward.
Your information is handled securely and used only to match you with appropriate lenders. We're not the lender — we connect you to ours.
You don't need exact numbers to start. Good estimates are enough to begin; we'll confirm details with you later.
Agricultural lending is its own world — it's not a house mortgage and it's not a credit card. When a farm or land loan goes to underwriting, lenders generally weigh a handful of things. Knowing them up front is why our borrowers get to a "yes" faster:
Loan-to-value (LTV). Most ag real estate lenders generally lend up to roughly 65–75% of the property's value, meaning a 25–35% down payment or equity position is common. Stronger equity widens your options.
Repayment capacity. Lenders want to see the operation (plus any off-farm income) can comfortably cover the new payment — not just break even. Coverage cushions matter more than a single good year.
Credit history. There's no single magic number, but stronger credit opens more programs and better terms. Many ag programs look most favorably in the ~680+ range, while options can still exist below that depending on the full picture.
Collateral quality. The type and productivity of the land or asset — cropland, pasture, ranch, facilities — affects how lenders value it.
Experience & management. Years operating, your track record, and how well-organized your financials are all signal lower risk.
These are general industry ranges for educational purposes only — not an offer, not a commitment to lend, and not a prediction of your individual terms. Every lender sets its own criteria, and rates and terms are determined by the lender, not by AgLoans.
This takes about 5 minutes. The more you can share, the more complete a lender-ready summary we can build — and the faster we can match you. Estimates are fine.
Step 1 of 5
We work with a network of agricultural lenders and spend our time on one thing: turning your information into a package lenders can move on quickly. You get one organized starting point instead of repeating yourself to five different lenders. Documents you share later are kept in an encrypted vault — not floating around in email.