California Farm, Ranch & Land Loans
From Napa vineyards to Central Valley orchards to coastal vegetables. Finance agricultural operations in America's leading farm state.
AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.
Our minimums: a loan amount of $500,000 or greater and agricultural real estate to help secure the loan.
$500K–$25M
Loan requests we review
Ag real estate
Helps secure the loan
Nationwide
Where we can help
1 business day
Typical time to hear from us
Simple Agricultural Financing in California
We work with underwriters who work with Farmer Mac and other private funding sources.
Vineyard Loans
Finance California wine grape vineyards—Napa, Sonoma, Central Coast, and beyond.
Orchard Loans
Almonds, walnuts, citrus, stone fruits, and other California permanent crops.
Farmland Purchase
Finance productive California cropland—row crops, vegetables, and specialty agriculture.
Sibling Buyout
Keep California family farms and vineyards together through ownership transitions.
Agribusiness Loans
Processing facilities and operational capital for California agriculture.
Land Loans in California: What We Work On
AgLoans works on agricultural real estate loans in California from $500,000 to $25 million. We organize your information and work with underwriters; the lender makes the credit decision.
What we work on
What we don't do
- Homes, homesites or lots to build a house
- Residential mortgages of any kind, including homes on acreage
- Requests under $500,000, or without agricultural real estate to help secure the loan
AgLoans does not arrange residential mortgages. For a home or homesite, please contact a residential mortgage lender.
California Farmland Values and Agriculture by the Numbers
Average value per acre in 2026, from USDA's USDA NASS Land Values 2026 Summary (released July 31, 2026).
Farm real estate (land and buildings)
$14,100 per acre
up 2.9% from $13,700 in 2025
Cropland
$18,430 per acre
up 2.7% from $17,940 in 2025
Pasture
$4,250 per acre
up 4.2% from $4,080 in 2025
California agriculture (2022 Census of Agriculture)
- Farms
- 63,134
- Land in farms
- 24,190,604 acres
- Average farm size
- 383 acres
- Agricultural products sold
- $59.0 billion#1 among states
Top California commodity groups by sales
| Commodity group | 2022 sales | U.S. rank |
|---|---|---|
| Fruits, tree nuts, berries | $23.1 billion | #1 |
| Vegetables, melons, potatoes, sweet potatoes | $11.7 billion | #1 |
| Milk from cows | $9.7 billion | #1 |
| Nursery, greenhouse, floriculture, sod | $3.9 billion | #1 |
| Cattle and calves | $3.7 billion | #7 |
Largest crops by acres: forage (hay/haylage) (1,826,187 acres); almonds (1,629,214 acres); vegetables harvested (1,190,930 acres).
These are statewide averages. Values for any one property vary, and the lender's appraisal sets the value used for a loan. Sources: USDA NASS, Land Values 2026 Summary; USDA NASS, 2022 Census of Agriculture, California State Profile.
Getting Financing in California
The same straightforward process, wherever you farm
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.
California Ag Loan FAQs
Ready to Explore California Financing?
Tell us the basics, 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.
Rather talk? Call anytime. If we miss you, leave a message and we'll call you back by Monday, November 9. Or email info@agloans.com.
AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.