Agricultural Farm Ranch and Timber Land Loans
Farm, Ranch and Timberland Loan Programs
Agricultural Farm, Ranch & Timber Land Loans & Lending Program Details
Timber land loans and farm and ranch land loans finance farm, cattle ranch and timberland operations, including the purchase or enlargement of family farms. Commercial Finance Partners offers non-USDA farm, ranch and timber land loans of $250,000 to $10,000,000 with a 30-year term.
We offer multiple non-USDA loan programs to help you finance your farm, cattle ranch, or timberland operation.
We will work with you to find a financing solution designed to meet the unique financial needs of your operation.
Our Farm, Ranch and Timber land loan programs offer farmers and ranchers financing to purchase or enlarge family farms, improve and expand current operations, increase agricultural productivity, and assist with land tenure to save farmland for future generations.
Agricultural Farm, Ranch & Timber Land Loan Details:
- Loan amount – $250K to $10M
- Term – 30 years
- Rate – Fixed and Variable rates available
- Maximum LTV is 75% (60% maximum LTV for the following states: ND, SD, MN, IA, IL, IN, OH, MO and NE)
Line of Credit (LOC) Structure:
- Minimum loan amount – $250,000
- Revolving line of credit that borrowers can draw on over a 10-year period
- Interest-only, semi-annual payments
- No annual renewals
- No resting periods
- No non-use fees
- No prepayment penalties
- Use funds for any business purpose
Timber Land Loan Rates and Terms
Our farm, ranch and timber land loans have a 30-year term, with fixed and variable rates available. The maximum LTV is 75%, or 60% for properties in ND, SD, MN, IA, IL, IN, OH, MO and NE.
The line of credit structure starts at $250,000 and lets borrowers draw on a revolving line over a 10-year period with interest-only, semi-annual payments, no annual renewals, no non-use fees and no prepayment penalties.
Farm Land Loans and FSA Farm Ownership Loans
The Farm Service Agency currently guarantees farm loans from USDA-approved commercial lenders of up to $2,558,000 for family farmers and ranchers who are unable to obtain a loan without an FSA guarantee. FSA Farm Ownership loans may be used to purchase farmland, and their terms cannot exceed 40 years. Our non-USDA land loans go up to $10,000,000.
- Compare FSA loans for family farm ownership financing.
- Agricultural bridge loans: When a purchase has to close first, our short-term bridge programs can be used for real estate acquisition.
Related: Rural infrastructure loans · USDA B&I loans
See all of our USDA and agricultural loans. Source for FSA figures: USDA Farm Service Agency, Guaranteed Farm Loans.
Farm, Ranch and Timber Land Loan FAQs
What is a timber land loan?
A timber land loan finances a timberland property or operation. Commercial Finance Partners offers non-USDA loan programs to help you finance your farm, cattle ranch, or timberland operation, with loan amounts of $250,000 to $10,000,000.
How much can I borrow with a farm or ranch land loan?
Our farm, ranch and timber land loans range from $250,000 to $10,000,000. The maximum LTV is 75%, or 60% for properties in ND, SD, MN, IA, IL, IN, OH, MO and NE.
What are timber land loan rates and terms?
Our farm, ranch and timber land loans have a 30-year term, and both fixed and variable rates are available. A revolving line of credit with a $250,000 minimum is also available, with interest-only, semi-annual payments over a 10-year draw period.
Can I use a farm land loan instead of an FSA loan?
Our non-USDA farm, ranch and timber land loans are an alternative to FSA-guaranteed financing, with loan amounts of $250,000 to $10,000,000. FSA guarantees are for applicants who are unable to obtain a loan without an FSA guarantee, and FSA can currently guarantee farm loans of up to $2,558,000.
Why Work with Commercial Finance Partners?
- Leverage Existing Assets
- Increased Working Capital
- Creative Deal Structure
- Alternative to Equity
- Growth Focused
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