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 more complete your summary.
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 prepare your summary and coordinate with lenders when you say it's ready. We're not the lender.
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). Lenders compare the loan amount with what the property is worth. More equity or a larger down payment generally widens your options. Each lender sets its own limits.
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. Stronger credit generally opens more options, and options can still exist with less-than-perfect credit depending on the full picture. Each lender sets its own requirements.
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.
The more you can share, the more complete a lender-ready summary we can build. Estimates are fine.
Step 1 of 5
We work with underwriters who work with Farmer Mac and other private funding sources, and we 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 go through our upload page, not email attachments.