Financing for
Permanent Crops
Tree fruits, nuts, citrus—permanent plantings need financing built around how orchards grow. 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.
Orchard Operations We Help With
From California almonds to Washington apples, Florida citrus to Georgia pecans. We work with underwriters who work with Farmer Mac and other private funding sources.
- Tree fruits (apples, peaches, cherries, pears)
- Citrus (oranges, lemons, grapefruit)
- Nuts (almonds, walnuts, pecans, pistachios)
- Stone fruits (apricots, plums, nectarines)
- Other permanent plantings
$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 Options
Land Acquisition
Finance orchard purchases—established producing orchards or bare land for development.
Tree Establishment
Planting costs, irrigation systems, and development expenses for new orchards.
Bridge Financing
Working capital to bridge the years between planting and first commercial harvest.
Processing & Storage
Packing sheds, cold storage, and processing facilities for vertically integrated operations.
Every request needs to meet our minimums: $500,000 or more, with agricultural real estate to help secure the loan. The lender decides what it will finance.
How Orchard 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.
Understanding Orchard Financing
Orchards are different from annual crops. When you plant corn, you harvest that same year. Plant an almond tree, and you're waiting years for commercial production.
That changes how financing can work. Some lenders build repayment around the development timeline, for example with interest-only or graduated payments while the trees come into production. The lender decides the structure.
Orchards are also long-term assets. A well-maintained almond orchard can produce for 25+ years. An apple orchard might last 30-40 years. That longevity affects both collateral value and how a loan is structured.
What You'll Need
To start your inquiry
- The orchard's location, acreage, and what's planted
- Roughly what it's worth, and how much you want to borrow
- 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
- Production records, if the orchard is producing
- Water rights and irrigation details
- Everyone who will borrow or guarantee the loan
The exact list depends on the lender and the program. Our team will tell you what's needed.
Orchard Financing FAQs
Orchard Loan Calculator
Estimate your monthly payment for orchard financing.
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.
$7,456
$789,376
Ready to Discuss Your Orchard?
Start your loan inquiry or call our team to explore your options.
Answer a few quick questions. It's free, there's no credit pull to start, and estimates are fine.
AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.