Ranch Loans: Financing to Buy, Expand or Refinance
PCI offers ranch loans from $1M to $50M to buy, expand or refinance working and recreational ranches, including cattle operations.
940+
Loans Funded
854+
Clients
$4.5B+
Loans Amount
Overview
Ranch Loan Terms
Ranch Loans are intended to help cattle farmers and ranchers manage and grow their businesses.
These loans are designed to support you in overcoming the particular difficulties faced by the ranching sector, such as market circumstances and seasonal variations, so that your ranch can run profitably.
Ranch Loans are offered in a variety of formats to meet the varied requirements of the ranching sector.
While equipment loans enable you to purchase essential machinery like tractors and fencing tools, operating loans can be used to pay for ongoing costs like feed, veterinary care, and payroll.
Ranch loans are offered for larger projects to help with the expansion of existing properties or the acquisition of additional property.
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 kinds of ranches do we finance?
From large working cattle ranches to recreational and hunting properties, we lend against the land.
Cattle and livestock ranches
Working ranches where cattle or other livestock are raised on the property.
Working and hay ranches
Grazing, pasture and hay ground run as an operating business.
Ranch with residence
Ranches with a main house, lodge or improvements that add to value.
Ranch expansion
Buy adjacent acreage or add improvements to an existing ranch.
Ranch refinance
Refinance a balloon or non-renewed loan, or take cash out of a ranch you own.
Recreational and hunting ranches
Recreational, hunting and lifestyle ranches held for use or investment.
Compare lenders
Private Capital Investors or a bank or Farm Credit for a ranch loan?
Large ranch deals often outgrow standard agricultural limits or move faster than a bank will.
When Choose us
The ranch loan is larger than what an association or bank will hold.
A ranch is being sold quickly or at auction.
The property has value a bank underwrites conservatively.
A maturing loan needs to be refinanced.
Look at a bank, Farm Credit or FSA when
The loan is below our minimum.
You have a long timeline and an existing lender.
You are financing cattle or equipment only.
You want a long-term patronage relationship.
Underwriting
How we underwrite a ranch?
Ranch value depends on more than acreage. These factors shape the loan.
Acreage and carrying capacity
How much stock the land can support, its grazing and hay potential, and current use.
Water and improvements
Wells, ponds, water rights, fencing, barns and any residence.
Title, access and minerals
Legal access, easements, and whether mineral and surface rights are together.
Borrower and exit
Credit of 680 or higher, entity structure, and how the loan will be repaid or refinanced.
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
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
Ranch loan FAQs
What is a ranch loan?
A ranch loan is financing secured by ranch real estate, used to buy a working or recreational ranch, expand with adjacent land, or refinance existing debt. Lenders weigh the land, its water, its improvements and the borrower’s plan.
What is the minimum loan for a ranch?
Our ranch loans start at $1M. Smaller ranch purchases are usually better served by a Farm Credit association, bank, or USDA program.
Can I refinance a ranch I already own?
Yes. We offer rate-and-term and cash-out refinancing on ranch property, secured by the real estate.
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 the cattle?
We lends against real estate. We finance the ranch land and improvements, and we do not offer livestock-only or equipment-only loans. Where a deal includes working capital, it can be structured against the property.
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 ranch 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