Orchard Financing and Citrus Grove Loans
We provide orchard financing and grove loans from $1M to $50M to buy, expand, or refinance orchards and citrus groves.
940+
Loans Funded
854+
Clients
$4.5B+
Loans Amount
Overview
Citrus Loan Terms
Orchard loans can give you the money you need to grow your business, whether you want to add more fruit varieties to your current orchard, manage ongoing operating expenses, or both.
These loans are designed to accommodate the cyclical nature of agricultural revenues, giving you the confidence to invest in the expansion of your orchard. They also include competitive interest rates and flexible payback options.
Seasonal costs like harvesting and trimming can be paid for with short-term loans, but more significant investments like buying more land or cutting-edge farming equipment may require long-term finance.
You may make an informed choice that fits your long-term goals and urgent needs by being aware of the many kinds of Orchard Loans.
Amortization: 30 years amortization with no prepayment penalties
Loan Amount: $1 Millions to $50 Million
Min Credit Score: 680
Interest Rate: As low as 5.99%
Closing: from 14 to 21 days
Maximum LTV: Upto 70% Loan to Value
Adjustable and Fexible rates are available
Nationwide Lending
What we finance
What orchards and groves do we finance?
Financing is structured around the crop, the age of the trees, and what you plan to do with the property.
Citrus Groves
Orange, grapefruit, lemon, and other citrus groves, whether you are buying, expanding or refinancing.
Tree-fruit Orchards
Apple, peach, cherry and other tree-fruit orchards.
Nut Orchards
Almond, pecan, pistachio and walnut orchards.
Orchard Acquisition
Buy an established orchard or grove with mature trees in place.
Expansion and Replanting
Add acreage or replant blocks, sometimes refinancing an existing loan.
Refinance
Refinance a maturing or non-renewed loan, or pull equity from an orchard you own.
Compare lenders
Private Capital Investors or a bank or Farm Credit for a Citrus loan?
Orchard borrowers often start with an agricultural lender. This is when a direct private lender fits better.
When Choose us
The orchard purchase is larger than a Farm Credit association or FSA will lend.
A grove is coming to market and you need to close quickly.
A bank will not lend against the trees or the young plantings.
A maturing loan needs a refinance or a bridge.
Look at a bank, Farm Credit or FSA when
The loan is below our minimum.
You have a long timeline and an existing lender relationship.
You are a beginning farmer who may qualify for USDA programs.
The deal is equipment-only or operating-only.
Underwriting
How do we underwrite an orchard or citrus grove?
Trees are a long-term asset with their own risks. These are the questions that shape the loan.
Tree age and productive life
Mature, producing trees are supported by a different loan than young or aging blocks are.
Water and irrigation
Reliable water rights and irrigation infrastructure are central to orchard value.
Yield and income history
Production history and, where available, offtake or buyer contracts.
Crop and climate risk
Disease, freeze and weather exposure for the crop and region.
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
Related financing
More agricultural financing
Agricultural loans
Our farmland and farm real estate overview
Land loan refinance
We offer Rate-and-term land refinance.
Vacant land loans
We offer loans for raw, rural and entitled land.
Where we lend
Ranch and land 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
Citrus loan FAQs
How is an orchard loan different from a farmland loan?
Both are secured by real estate, but an orchard adds a productive asset: the trees. Lenders look at the age and health of the trees, their remaining productive life, water supply and the income the crop generates, in addition to the value of the land.
That is why the same acreage can be financed differently as bare land, a young planting or a mature producing orchard.
What should I know before financing a citrus grove?
Citrus groves carry crop-specific risks, including disease pressure and freeze exposure, and their value depends on tree age, variety and water. Have your grove’s production history, tree counts and irrigation details ready. If you plan to replant, tell us early so the plan can shape the structure.
How much down payment do I need for an orchard?
With up to 70% LTV, the borrower typically contributes at least 30% of the appraised value or price. The exact amount depends on the property and the borrower.
How fast can you close?
Funding can take as few as 14 days, depending on how quickly the appraisal, title, and other reports are completed and on the complexity of the deal.
Do you finance young or newly planted orchards?
Newly planted blocks are reviewed case by case, because the trees are not yet producing. Tell us the age of the planting and the plan for it.
What do I need to apply?
- Ranch address, acreage and current use
- Purchase contract or existing loan statement
- Water, improvement and mineral-rights details
- Entity documents and ownership details
- Credit information (minimum score 680)
An appraisal, title report and environmental review are typically ordered during underwriting.
Talk to a lender about your orchard or grove 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