Wide view of agricultural fields with a tractor working on the soil, green crops, and a line of trees in the background under a partly cloudy sky during sunset or sunrise.

Land Backed Line of Credit

Unlock the Equity in Your Farm or Ranch

We’ll arrange a Land-Backed Line of Credit that lets you borrow against the equity in agricultural real estate you already own to fund capital purchases, improvements, or operating needs — with flexible draw periods and interest-only payments.

Get Started

Put the equity in your land to work.

  • Use Your Land Equity


    Borrow up to 50% of your bare land equity value, secured by a first mortgage position on the property. Already have a mortgage on it? We can refinance that existing mortgage into this structure.

  • Flexible Draw Period


    Choose a 5- or 10-year draw period. Draw funds as you need them, repay principal at any time, and get new funds deposited to your account the next business day. Use it for any on-farm or business purpose — equipment, improvements, or operating capital.

  • Interest-Only Payments


    Pay interest only on your outstanding balance, with semi-annual payments deducted automatically from your account. There are no non-use fees on funds you haven’t drawn.

  • Convert to a Term Loan


    If it fits your plans better down the road, convert your outstanding balance into an amortizing term loan on any interest-only payment date.

  • How It Differs from an Operating Line of Credit


    Unlike our standard Operating Line of Credit, which is sized to your operation’s projected cash flow, a Land-Backed Line of Credit is secured directly by your real estate equity — typically offering a larger credit limit in exchange for the collateral.

  • How to Apply


    Minimum loan size of $200,000. Talk to a loan advisor to see how much equity you have available to borrow against.

Our Process

Tell Us About Your Operation

First we'll want to learn about your farm, ranch, goals, financial situation and what type of financing you are looking for.

Complete Your Application

We'll review your financials to make sure your application accurately represents your operation and is ready to be presented to lenders.

We Compare Lending Options

Once your application is ready, we'll present it to our select network of agricultural lending partners and compare loan options to find the best fit for your operation.

It’s Time to Close Your Loan

After you've been approved for the loan, we'll guide you through the closing process and be available to answer questions every step of the way.

Words From Our Clients

Land-Backed Line of Credit FAQs

A revolving line of credit secured by farm or ranch land you own. You draw on it when you need it and pay interest only on what you use.

What is a land-backed line of credit?

1

Common uses include operating expenses, equipment, buying cattle or inputs at a good price, land improvements, covering a gap between expenses and income, or having a reserve on hand for opportunities.

What can I use a land-backed line for?

2

It depends on the land's appraised value, how much you already owe on it, and your cash flow. Lenders usually lend up to a set percentage of the land's value, minus existing debt.

How much can I borrow on a land-backed line?

3

Do I need to own my land free and clear?

4

No. You need equity, meaning the land is worth meaningfully more than what you owe on it.

Ready to Take the Next Step?

Ready to put your farmland to work? Fill out the brief form below to learn if a Farm Land Backed Line of Credit is right for your operation.

Send it over and let's start the conversation.