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.

How do Texas ranch loans work?

Texas ranch loans finance grazing land, ranch facilities, and mixed-use agricultural properties. Lenders evaluate carrying capacity, water resources, fencing, facilities, and location. Ranch land values vary significantly across Texas regions.

Can I finance a combination farm and ranch?

Yes. Many Texas properties combine cropland with pasture. Lenders can structure loans that account for both productive uses and their respective income streams.

What about financing in the Hill Country?

Texas Hill Country has unique characteristics—often lower agricultural productivity but strong recreational and residential demand. These properties can be financed, including as recreational land. The lender sets terms based on how the property is used.

How do water rights affect Texas land loans?

Water is critical in Texas. Lenders carefully evaluate water rights, well permits, and groundwater availability. Strong water resources add to property value.

Do you work with Texas cotton and row crop operations?

Yes. Texas leads the nation in cotton production. Lenders finance irrigated and dryland cotton ground, as well as grain and other row crop farms.

What's the minimum loan request in Texas?

The same as every state: a loan amount of $500,000 or greater, with agricultural real estate to help secure the loan. We review requests from $500,000 to $25 million.

Texas

Texas Farm & Ranch Loans

From Panhandle cotton to Hill Country cattle ranches to South Texas citrus. Finance agricultural land and operations across the Lone Star 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

All 50 states

Where we can help

1 business day

Typical time to hear from us

Simple Farm & Ranch Financing in Texas

We work with underwriters who work with Farmer Mac and other private funding sources.

Ranch Loans

Finance Texas cattle ranches, grazing land, and mixed-use agricultural properties.

Farmland Purchase

Cropland financing for cotton, corn, wheat, and diversified Texas operations.

Sibling Buyout

Keep Texas family ranches and farms together through ownership transitions.

Agribusiness Loans

Cattle facilities, irrigation, and operational capital.

Recreational Land

Hunting and recreational land, including Hill Country properties.

Getting Financing in Texas

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.

Texas Ag Loan FAQs

Ready to Explore Texas 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.