Agricultural Loan for Farm Land & Real Estate
We offer tailored agricultural loans to help you secure the funds to start or maintain your agricultural endeavors. Our ag loans help you buy land to build a thriving farming business.
940+
Loans Funded
854+
Clients
$4.5B+
Loans Amount
Overview
Farm Land Loan Terms
An agricultural loan finances the purchase, refinancing, or expansion of farmland and farm real estate. Private Capital Investors is a direct lender offering agricultural loans from $1M to $50M with up to 70% LTV and funding in as few as 14 days for borrowers who need more size or speed than USDA or Farm Credit programs allow.
Our agricultural loans are custom-tailored loans specifically to meet the needs of farmers and landowners seeking to acquire cultivable land.
Whether you’re looking to expand your existing farm or establish a new one, our agricultural land loans can provide the necessary financial support for development and cultivation.
Our farming loans can be used to finance the purchase of land, as well as the construction of necessary infrastructure, such as irrigation systems, barns, and other essential equipment.
Amortization: 30 years amortization with no prepayment penalties
Loan Amount: $1 Millions to $50 Million
Min Credit Score: 680
Closing: from 14 to 21 days
Maximum LTV: Upto 70% Loan to Value
Adjustable and Fexible rates are available
Nationwide Lending
Loan Types
What kind of agricultural loan do you need?
Most agricultural financing falls into land loans and business loans. At PCI, both are secured by real estate.
Land Purchase & Refinance
Buy farmland, rural acreage or vacant land you plan to farm, or refinance the loan on land you already own.
- Farmland, orchards, ranch, and rural land
- Rate-and-term and cash-out refinance
- Bridge to a longer-term loan
Business & Operating Needs
When a project needs working capital alongside real estate, financing can be structured in one of two forms.
- Line of credit: draw as needed and pay interest on what you use.
- Term loan: a lump sum repaid on a fixed schedule.
Estate-scale & Lifestyle Farms
A hobby farm is a small operation run mainly for enjoyment or supplemental income rather than as a full-time business.
Most hobby-farm purchases are smaller than our minimum loan. Estate-scale properties that reach it can qualify, and we will say so early if a deal is too small.
Compare lenders
How PCI compares with USDA FSA, and banks
The right lender depends on loan size, timeline and borrower profile. Here is how the common options differ.
Private Capital Investors
USDA FSA
Bank
Typical loan size
Private Capital Investors
$1M–$50M
USDA FSA
Direct farm ownership loans up to $600,000
Bank
Set by each bank
Speed
Private Capital Investors
As few as 14 days
USDA FSA
Set by program and local office
Bank
Varies by bank
Lender type
Private Capital Investors
Direct private lender
USDA FSA
Government program
Bank
Depository institution
Best fit
Private Capital Investors
Larger or time-sensitive deals
USDA FSA
Beginning and smaller farms
Bank
Existing bank customers
Source: USDA figure from Farmers.gov. Guaranteed FSA loans have higher limits; check fsa.usda.gov for current caps. PCI does not administer USDA programs.
Is Private Capital Investors right for you?
Is PCI the right ag lender for your farm?
Most farm financing falls into land loans and business loans. At PCI, both are secured by real estate. We provide easy finance for farming
Good fit
- Loans within our range, secured by farm real estate
- Time-sensitive purchases or auctions
- Deals a bank or government program cannot close on your timeline
- Refinancing a maturing or non-renewed loan
Probably not a fit
- Loans below our minimum. Look at USDA FSA or a Farm Credit association.
- Equipment-only or livestock-only financing
- Unsecured operating loans
By property type
Agricultural financing by property type
Choose the page that matches your property for terms, requirements and examples.
Orchard and grove loans
Buy, expand or refinance orchards and citrus groves.
Ranch loans
Working and recreational ranches, including cattle operations.
Poultry farm loans
Poultry farms, houses and expansions.
Vacant and rural land
Raw, unimproved and rural acreage.
Land loan refinance
Rate-and-term and cash-out refinancing.
Alternative lending
Hard money and bridge loans for farmland.
Agricultural loans generally fall into two buckets: land loans (to buy or refinance property) and business/operating loans (to fund the farm as an ongoing operation).
Agriculture business loans
Use these to fund the operation itself — equipment, livestock, seed/feed/fertilizer, irrigation and barns, working capital, or expansion costs.
Agriculture financing requirements
Expect to share property details and how you’ll use the funds, plus documentation that supports repayment. Many lenders look at your credit score and your experience in running farm operations.
Market snapshot
What are U.S. farmland values in 2026?
USDA reported record-high national farmland values in its July 2026 survey. Rising values increase the collateral behind a loan, and they also raise the price of buying.
$4,500
+3.4% vs 2025
Average U.S. farm real estate value per acre.
$6,200
+3.3% vs 2025
$2,000
+4.2% vs 2025
Source: USDA National Agricultural Statistics Service, Land Values 2026 Summary, released July 31, 2026. State and local values differ widely.
Our Recent Closings
Agricultural Land Refinance
Calhoun, TN | $1,000,000
Refinance 110 Acre Agricultural Land
New Cuyama, CA | $1,500,000
Refinance Agricultural Land
Fergus County, MT | $8,700,000
Requirements
What do you need to apply for an agricultural loan?
Having these ready shortens the path to a term sheet.
Property address, acreage, and a description of current use.
Purchase contract or existing loan statement.
Purpose of funds and intended exit or repayment plan.
Borrower entity documents and ownership details.
Credit information (minimum score 680).
Operating history and farm income, where applicable.
Where we lend
Agricultural and Farm loans by state
Select your state for local details.
Texas
Colorado
Ohio
Utah
California
Arizona
Oklahoma
Indiana
Idaho
Florida
South Carolina
Wisconsin
Alabama
Georgia
Tennesse
Miami
Michigan
North Carolina
Nevada
Illinois
Talk to a lender about your farm or land deal.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road, Suite 1050, Dallas, TX 75201
895 Dove St Ste 394, Newport Beach, CA 92660, United States
Phone:
972-865-6205
949-340-1552
Email:
info@privatecapitalinvestors.com