Farm & Ranch Loans for Oregon Growers
From the Willamette Valley to the high desert.
Farm Loans for Every Stage of Your Operation
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![A tractor harvesting crops in a large farmland with neatly plowed rows and green fields under a partly cloudy sky during sunset.]()
Farm Land Purchase Loans
Financing to buy your first farm, expand your current operation, or invest in purchasing farmland.
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![A scenic view of a farm with red barns, a silo, green grassy foreground, trees, and a clear blue sky with a few clouds and a bird flying overhead.]()
Farm Land Loan Refinance
Lower your payments, get better terms, and improve cash flow by refinancing your existing loan.
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![An irrigation system tower stretching across a lush green field with mountains in the background under a partly cloudy blue sky.]()
Farm Land Development Loans
Finance irrigation, land improvements, outbuildings, and farm infrastructure projects.
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![Farmer operating a tractor during sunset with golden light and trees in the background.]()
Interest-Only Bridge Loans
Had an off year or credit setback? Our interest-only Bridge Loan keeps you moving forward.
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![A landscape of farmland with green fields, trees, and a distant horizon under a mostly clear sky with some clouds.]()
Land-Backed Line of Credit
Put your land equity to work for you — through farm improvements and working capital.
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![A group of children and an adult pick apples from a tree in an apple orchard. They are on a green wagon with a white tank, possibly for spraying. The sky is overcast and there are trees in the background.]()
Hobby Farm Loans
Buying rural acreage for lifestyle or to pursue part-time farming? We have loans for that too.
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.
Who We Work With
Ag Lending Group helps Oregon farmers and ranchers finance land purchases, refinances, land-backed lines of credit, development projects and hobby acreage. We're a family-run farm financing advisor that works nationwide, and we take your Oregon deal to the ag lending partners that understand your crops, your water rights and your ground.
Oregon agriculture is about as varied as it gets. The Willamette Valley has grass seed, nursery stock, hazelnuts, berries and vineyards. Eastern and central Oregon run wheat, hay, potatoes, onions and cattle. Orchards, vineyards and nursery ground take a different kind of underwriting than row crops, and lenders will want to see your water rights, their priority and how reliably they deliver.
Water rights matter a lot here. In Oregon, a water right is tied to the land and recorded with the Oregon Water Resources Department, so lenders look at the permit or certificate, its priority date, and whether it's been used. A right that goes unused for five years in a row can be lost, and some basins limit new groundwater wells. We help you gather your certificates and use records so the appraisal reflects the water that comes with the ground.
Whether you operate 40 acres or 40,000, we work with Oregon grass seed and row crop farms, nurseries, orchards and hazelnut growers, vineyards, wheat and hay operations, cattle ranches, hobby farms and ag businesses.
A real Oregon story: told them what to fix, and they came back
A family-owned and operated winery first came to us about four years ago. At the time, we couldn't get them financed, and we told them so. We didn't just say no. We walked them through exactly what lenders needed to see and what to fix first. They went home and did all of it. When they came back, we took their deal to our lending partners and got it done. Sometimes the most useful thing an advisor can do is tell you "not yet" and show you the path to yes.
Hear from some of the farmers we’ve helped:
Oregon Farm & Ranch Loan FAQs
Often, yes. Development loans can be structured so payments match the years before the planting produces. Lenders will want a plan, costs and water documentation.
Can you finance a new orchard or vineyard planting in Oregon?
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Lenders look at what rights come with the land, their priority date and whether they're in good standing. Strong, documented rights support value.
How do water rights affect a farm loan in Oregon?
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Yes. We finance ranch purchases and refinances, and long-term grazing leases or permits can support how a lender views the operation.
Do you work with ranches in eastern Oregon?
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Is Ag Lending Group located in Oregon?
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We're based in Phoenix and work with producers nationwide, including Oregon.
Ready to Take the Next Step?
Tell us a little about your farm, ranch, and financing needs. Our team will review your information and follow up to help you understand your options.
Send it over and let's start the conversation.