FARM LENDING

Land, equipment,
operating lines.

Financing built for the way farm operations actually run: seasonal cash flow, land purchases, and equipment that can't wait for a slow approval.

  • ✓ Terms up to 30 years
  • ✓ Fixed and Variable Rate Options
  • ✓ Fast Loan Decisions

Farmland mortgage

Buy, refinance, or expand your land base with a fixed or adjustable rate sized to a row crop or livestock operation.

Operating line

Cover seed, inputs, and labor before harvest pays you back. Draw what you need, when you need it.

Equipment financing

Finance tractors, combines, and other equipment on terms that fit your operation's cash flow.

Affordable rates. Flexible terms.

How It Works

What to expect

 
1
Apply: 3 minutes Tell us about your operation and what you need financing for.
2
Review and underwriting A specialist looks at your financials and the land or equipment involved.
3
Approval and terms You get a rate and terms in writing, no surprises.
4
Closing and funding Sign and get funded on a timeline that works for your operation.
Farm operation
Who To Contact

Reach out directly

Have questions? Connect with the team below.

Kiersten Sinn
Kiersten Sinn Managing Director, Mortgage Leads mortgage lending at Growers Edge, with over a decade in ag finance and underwriting across dairy, livestock, poultry, row crop, and specialty planting operations.
Blake Bogaard
Blake Bogaard Managing Director, Loan Origination Leads loan origination at Growers Edge, with seven years in agricultural lending across row crops, livestock, vineyards, and diversified enterprises nationwide.

Frequently Asked Questions

What types of farm loans do you offer?

We offer two core lending products. Farm mortgages for purchases, refinances, and expansion, with amortizations available up to 30 years. We also offer traditional operating lines to cover your seasonal needs. Contact us to hear more about what we can offer.

How much down payment is needed for a purchase?

For traditional real estate secured mortgages, financing is generally available up to 70% loan to value (LTV), which means a 30% down payment is required. The final loan amount depends on credit approval and the approved appraisal. In some cases, our financial partners may provide higher financing options. Contact us to learn what you may qualify for.

Are there any prepayment penalties if I pay off my loan early?

No prepayment penalties. You can pay off or refinance whenever it makes sense for your operation. One exception: some products require paying interest through your scheduled payment date if you pay off early. Ask us about the details for your loan type.

What interest rate and terms can I expect, and is it fixed or variable?

Loan rates and terms vary based on loan type, loan amount, credit profile, and farm financials. We offer competitive fixed and variable rate options. Contact us to get your quote.

How long does it take to close?

Once we have your underwriting documents, three years of tax returns, a current balance sheet, and a completed application, we can usually turn around a decision quickly. Closing then depends on third parties like appraisers and title companies, which can take a few weeks. Reach out early to get the process started; we'll work to move things along wherever we can.