Farm Land Development Loan
Financing to Improve, Expand & Develop Your Property
Turn raw or underutilized acreage into productive ground. We arrange financing for irrigation systems, land improvements, and farm infrastructure projects that increase what your land can do.
A Land Backed Development Loan Can Be Used For:
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![A landscape showing a remnant of a cleared forest with logs and wood chips, a green logging machine, a road with a car, and trees in the background under a partly cloudy sky.]()
Land Improvements
Financing for clearing, grading, drainage, fencing, and other improvements that prepare land for production. -
![An orchard with rows of apple trees supported by wooden posts and wire, under a partly cloudy sky.]()
Nut or Stone Fruit Tree Permanent Planting Development
Finance the infrastructure and trees required to planting or replanting of your farm’s fruit or nut orchards. -
![Green crop field with an irrigation system, blue sky overhead, and distant trees on the horizon.]()
Irrigation Financing
Finance the installation or upgrade of irrigation systems to bring new acreage into production or improve yields on existing ground. -
![Wooden framing for a building under construction in a grassy area with trees and a partly cloudy sky.]()
Infrastructure Projects
Support for grain storage, farm buildings, roads, and other infrastructure tied to a land development plan. -
![Black cows standing behind a wooden fence in a grassy field with fog, some have red ear tags.]()
Fencing and pasture development
Build new fencing, improve grazing systems, or develop pastureland to maximize the productivity of your operation. -
![A rural landscape with a dirt road, multiple wooden utility poles with power lines, green bushes, mountains in the background, and clear blue sky.]()
Utility installation and infrastructure improvements
Bring power, water, and other utilities to your property or upgrade existing infrastructure to support expansion.
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.
Land Development Loan FAQs
Projects that make land more productive, such as drilling wells, installing irrigation, leveling or clearing ground, planting orchards or vineyards, fencing, and water infrastructure.
What can a farm land development loan pay for?
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They can be structured with interest-only periods or payments that start later, so the loan matches when the project starts producing income. Orchards and vineyards are the classic example.
How do development loans handle the years before a project pays off?
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Water often decides what the land is worth and whether a project will work. Lenders look closely at water rights, well permits and supply before financing.
Why is water so important for development financing?
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What should I have ready before applying?
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A project plan with costs, contractor bids, a timeline, water documentation, and a projection showing when the project will start paying back.
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.