This Program Is Built For You
Who Can Benefit from the Refer & Earn Program?
If you work in residential or conventional lending, you're already talking to borrowers we can help. You don't need agricultural expertise — just the ability to recognize when a deal falls outside your wheelhouse.
Become a Referral PartnerIdeal Referral Partners
Loan Officers — At banks, credit unions, or independent mortgage companies who encounter ag or rural loan requests they can't place.
Mortgage Loan Originators (MLOs) — Licensed originators who regularly receive applications involving farmland, acreage, or ag-purpose properties.
Mortgage Brokers — Independent brokers whose lender networks don't include agricultural programs - but whose clients need them.
Residential Mortgage Companies — Teams focused on home lending that encounter farm properties, rural tracts, or ag-income borrowers outside their guidelines.
Real Estate Agents & Land Brokers — Professionals representing buyers of farmland, ranchland, or large rural acreage who need to connect their clients with the right financing.
Financial Advisors & CPAs — Trusted advisors whose farmer and rancher clients ask about refinancing, land acquisition, or operating capital.
You Earn 51% of the Origination Fee
No licensing requirements. No underwriting. No file management. Just refer the borrower, and earn the majority share when the loan closes.
The Opportunity
You're Already Getting These Calls.
Now Get Paid for Them.
If you're a mortgage broker, loan officer, or banker focused on residential lending, you've seen this before:
What Happens Today
A borrower calls about financing farmland, ranchland, a rural operating property, or an agricultural purchase. You can't help them. The deal walks out the door. You earn nothing. The borrower is left searching for answers.
What Happens With AgLoans
You refer that same borrower to AgLoans.com. We take it from there — intake, document collection, lender matching, underwriting coordination, and closing. When the deal funds, you earn 51% of the origination fee. Simple.
Why Partner With AgLoans
What's In It for You
This program was designed entirely around one question: how do we make this worth your time with zero effort on your part?
Majority revenue share — 51% of the origination fee. You're not getting a token referral bonus. You earn the majority share of the origination fee on every deal that closes. Period.
Zero work on your end. No applications to process. No documents to chase. No underwriting to coordinate. You refer the borrower and we handle everything from intake to close.
No agricultural lending license or experience required. You don't need to understand ag lending. You just need to recognize when a borrower's request involves agricultural property or operations, and send them our way.
Turn lost leads into real revenue. These are deals you were going to turn away. Every referral is found money — revenue from opportunities that would have otherwise walked out the door.
Your borrowers get expert help. Instead of leaving your borrower stranded, you're connecting them with a team that specializes in agricultural lending. Your referral makes you look good.
Transparent tracking and communication. You'll know where your referral stands throughout the process. No black hole. No guessing. We keep you informed because it's your deal, too.
No volume minimums. No exclusivity. Refer one deal a year or ten deals a month. There's no commitment, no quota, and no exclusive arrangement required. Partner on your terms.
Prompt payment after closing. When the loan funds, you get paid. Clean, simple, and straightforward. No delayed commission schedules.
How It Works
Four Steps. That's It.
We built this process to be as easy as possible for you. Here's what a referral looks like from start to finish.
Step 1: You Identify the Deal
A borrower contacts you about financing farmland, ranchland, ag operations, or rural agricultural property. It's not a deal you can do.
Step 2: You Refer the Borrower
Submit the referral through our simple online form or send us an email. That's the last thing you need to do.
Step 3: We Handle Everything
Our team manages the full process — borrower intake, document collection, lender matching, underwriting coordination, and closing.
Step 4: You Get Paid
When the loan closes, you receive 51% of the origination fee. We keep you updated throughout so there are no surprises.
Spot the Deal
How to Recognize an Ag Loan Opportunity
You don't need to be an agricultural lending expert. Just listen for these signals in your borrower conversations:
"I want to buy a farm" or "I'm looking at farmland" — Any purchase where the land is used for agricultural purposes.
"I need to refinance my ranch" — Refinancing agricultural property doesn't fit standard residential loan programs.
"I'm buying 80 acres" or more — Large acreage deals, especially rural or agricultural, are almost always outside residential lending guidelines.
"The property has a barn, silos, or outbuildings" — Agricultural improvements on the land signal an ag-purpose transaction.
"I need operating capital for my farm" — Working capital and operating lines for agricultural businesses.
"My lender says the property doesn't qualify" — This one is gold. When a residential lender declines due to property type, acreage, or income source, it's likely an ag deal we can handle.
Common Questions
Frequently Asked Questions
Do I need a special license to refer agricultural loans?
How much do I earn per referral?
How do I submit a referral?
How long does the loan process take?
What if I'm not sure the deal qualifies?
Do I need to be involved in the loan process?
Is there a minimum deal size?
When do I get paid?
What is the minimum LTV required?
What documents will be needed to prepare for submission?
About AgLoans
Who We Are
AgLoans.com is a specialized agricultural lending platform that connects farm and ranch borrowers with experienced agricultural lenders. We handle the entire process — from initial borrower intake and document collection through underwriting coordination and closing.
We work with underwriters who work with Farmer Mac and other private funding sources. Our role is to prepare lender-ready loan packages, match borrowers with the right lending programs, and manage the process so deals close efficiently.
We built the Refer & Earn program because we know that thousands of mortgage professionals across the country encounter agricultural lending requests they can't fulfill. Rather than let those borrowers struggle to find help, we created a partnership that works for everyone: the borrower gets expert agricultural lending support, and you earn real revenue on deals you would have otherwise turned away.
Ready to Turn Lost Leads Into Revenue?
Join the AgLoans Refer & Earn program. Submit your first referral online, with no application, no contract, and no commitment.
Submit a Referral NowOr contact us directly: info@agloans.com
AgLoans.com is not a lender. AgLoans.com is an agricultural loan preparation and lender coordination service. All loans are originated, underwritten, and funded by our agricultural lending partners. Referral compensation is paid on closed and funded transactions and is subject to the terms of the AgLoans Referral Partner Agreement. Program terms, eligibility, and availability may vary.