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.

Is there a minimum loan size?

Yes. Our minimum thresholds are a loan amount of $500,000 or greater and agricultural real estate to help collateralize the loan. We review requests from $500,000 to $25 million.

What's the difference between agribusiness loans and land loans?

Land loans are specifically for purchasing agricultural real estate. Agribusiness loans cover everything else—working capital, infrastructure, and business expansion. Many operations use both types. With AgLoans, both need to meet the same minimums.

Can I combine multiple financing needs into one loan?

Often, yes. If you need infrastructure and working capital, for example, some lenders can structure a single facility covering both. The lender decides how the loan is structured.

What collateral do agribusiness loans require?

For AgLoans, agricultural real estate needs to help collateralize the loan. Depending on the purpose, lenders may also look at equipment, inventory, or accounts receivable.

How quickly can I get funded?

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.

Do you work with farm cooperatives and larger ag businesses?

Yes. We work with family farms, larger commercial operations, and cooperatives, as long as the request meets our minimums.

Will starting an inquiry affect my credit?

No. 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.

Who decides whether I'm approved?

The lender. AgLoans is not a lender. We prepare your information and work with underwriters; the lender reviews your formal application and decides whether to offer credit and on what terms. Nothing goes to underwriting until you say it's ready to go.

Capital to Grow
Your Operation

Infrastructure, working capital, expansion. We work with multiple underwriters to find you the best solution possible.

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

Financing Built for Agricultural Businesses

General business lenders don't always understand farm cash flow. Agricultural lenders understand seasonal income and production cycles.

We work with underwriters who work with Farmer Mac and other private funding sources
Infrastructure, operating capital, and expansion
Family farms, larger commercial operations, and cooperatives
No credit pull to start
Nothing goes to underwriting until you say it's ready to go

$500K–$25M

Loan requests we review

Ag real estate

Helps secure the loan

All 50 states

Where we can help

1 business day

Typical time to hear from us

Financing for Every Need

Agricultural operations have unique capital needs. We work with underwriters who work with Farmer Mac and other private funding sources.

Infrastructure

Grain storage, livestock facilities, processing facilities, and on-farm improvements.

Operating Capital

Working capital for inputs, payroll, and seasonal expenses. Keep your operation running smoothly.

Business Expansion

Capital for growth—new markets, value-added processing, or expanded production capacity.

Who We Work With

Row Crop Farmers

Corn, soybeans, wheat, cotton, and other commodity crop operations.

Livestock Producers

Cattle, hog, poultry, and dairy operations.

Specialty Crop Growers

Fruits, vegetables, nuts, and other high-value crops.

Ag Service Providers

Custom operators, applicators, haulers, and ag service businesses.

Every request needs to meet our minimums: $500,000 or more, with agricultural real estate to help secure the loan.

How Agribusiness Financing Works

From initial inquiry to lender review

Tell Us the Basics

Share the purpose, amount, property, and how you expect to repay. Estimates are fine.

Review the Next Step With Our Team

We clarify your request and whether an available lending program may be worth exploring.

Complete the Formal Application

If you choose to proceed, complete the formal application and provide the documents the lender needs.

Lender Review

Nothing goes to underwriting until you say it's ready to go. The lender performs underwriting and decides whether to offer credit and on what terms.

Before You Borrow

A few things that shape an agribusiness loan. The lender makes the final call on each.

Fit the loan to its purpose

Buildings and storage last for years; inputs and payroll turn over each season. The lender structures the loan around what it pays for.

Collateral

Agricultural real estate needs to help secure the loan. Depending on the purpose, lenders may also look at equipment, inventory, or receivables.

Cash flow and repayment

Lenders look at how the business repays: income history, production, and when cash comes in during the year.

Records ready

Clean financial statements and tax returns make the lender's review easier.

Preparing your financials →

What You'll Need

To start your inquiry

What the financing is for
How much you want to borrow
The agricultural real estate that can help secure it
How you expect to repay
Estimates are fine

Later, if you move forward

The formal application may ask for:

Financial statements (balance sheet and income)
Recent tax returns
Current debts and annual payments
Ownership, and everyone who will borrow or guarantee the loan
Property details, and plans or projections for the project

The exact list depends on the lender and the program. Our team will tell you what's needed.

Agribusiness Loan FAQs

Agribusiness Loan Calculator

Estimate your monthly payment for agribusiness financing.

Agribusiness Calculator

Disclaimer: This calculator provides estimates only and should not be considered a guarantee of actual loan terms. Actual interest rates, terms, and payments will vary based on creditworthiness, property details, lender policies, and market conditions. AgLoans.com is not a lender and does not set interest rates or loan terms.

Loan Amount$1,000,000

$500K$10M

Loan Term20 years

5 years30 years

Interest Rate6.50%

3%12%

Monthly Payment

$7,456

Total Interest

$789,376

Ready to Grow Your Operation?

Tell us about your business financing need, and our team will review the next step with you.

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