Your Land Built Equity. Put It to Work.
Agricultural equity lines of credit let farm and ranch owners draw against the value they've built in their real estate — for improvements, expansions, equipment, or working capital — without selling an acre.
$250K–$5M+
Line Size
Up to 65–70%
LTV
5–10 Years
Draw Period
10–20 Years
Repayment
Overview
Revolving Credit Secured by the Land You've Already Earned
Farmland is one of the most reliable wealth-building assets in the American economy — and yet most agricultural real estate owners let that equity sit idle. An agricultural equity line of credit changes that. Secured by the appraised value of your farm, ranch, or agricultural real estate, it gives you a revolving credit facility that you can draw from, repay, and redraw as your operation's needs evolve.
Unlike a traditional term loan — where you borrow a fixed amount and make fixed payments — an equity line works like a flexible reserve. Need to fund an irrigation upgrade this spring? Draw. Paid it back at harvest? Redraw next season for a barn repair or equipment purchase without reapplying. The line stays in place, secured by your real estate, ready when you need it.
Our agricultural equity lines are underwritten to reflect agricultural land values — not residential or commercial comparables. We use MAI-certified agricultural appraisers, recognize productive land income, and structure LTVs that reflect the long-term collateral quality of farm and ranch real estate in Oregon and California.
Who This Is For
Key Features
What Makes This Program Work
Revolving Draw Structure
Draw, repay, and redraw throughout your line's draw period — no reapplication required. Funds are available when you need them, dormant when you don't.
Secured by Agricultural Real Estate
Your line is secured by the appraised value of your farm or ranch — not personal assets. LTV-based structuring reflects the productive value of your land.
Interest Only on Draws
During the draw period you pay interest only on amounts outstanding — not on the full line. When you repay, your available credit is restored.
Flexible Use of Funds
Capital improvements, equipment purchases, irrigation upgrades, building repairs, working capital, or debt consolidation — eligible uses span the full range of farm needs.
Ag Appraiser Underwriting
Lines are sized using MAI-certified agricultural appraisers who understand productive land income, soil quality, water rights, and Oregon & California market values.
Seasonal-Friendly Terms
Draw periods of 5–10 years with repayment terms of 10–20 years give you long-horizon flexibility that matches the pace of agricultural capital investment.
The Process
How It Works
Equity & Property Review
We start with a quick review of your property — acreage, current appraised value or recent sale comps, existing liens, and how you plan to use the line. This shapes your target line size.
Appraisal & Title Order
We order an agricultural appraisal from a MAI-certified appraiser with farm and ranch experience in your region. Title is reviewed for existing encumbrances.
Income & Global Cash Flow
We underwrite your global income — farm income, off-farm income, and existing debt obligations — to ensure the line is sized appropriately for your debt service capacity.
Line Structuring
We present your line amount, draw period, rate structure, and repayment terms. We'll walk through how the interest-only draw period works and what repayment looks like.
Closing & Access
After closing, your line is open and available. Draw by check, wire, or electronic transfer — and repay at any time without prepayment penalty.
Requirements
General Qualifications
Get in Touch
Ready to chat with one of our Ag specialists?
Schedule a consultation by calling us directly or completing the contact form — we'll get back to you within one business day to review your operation, walk through your options, and identify every program you qualify for. No cost, no obligation.
Call Us
503-966-9255
Mon – Fri, 8 am – 6 pm PT
Licensed in Oregon & California · NMLS #1498678 · Agricultural Lending Division
Send Us a Message
We'll get back to you within one business day
Related Programs
Farm Purchase Loans
Buying additional acreage? Our farm purchase program covers new acquisitions with long-term fixed and variable rate options.
Operating Lines of Credit
Pair your equity line with a seasonal operating line for annual input costs — the two products are designed to work together.
Ranch & Timberland Loans
Own ranch or timberland? Our ranch financing programs cover mixed-use rural properties across Oregon and California.
Ag Equity Line Calculator
Estimate carrying costs on equity-line draws and compare amortizing payback structures across rate scenarios.
FAQ
Common Questions
What Our Clients Say
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Your Land. Your Terms.
Let's Build the Right Loan.
Our ag loan specialists will review your scenario, walk you through every option, and structure financing around how your operation actually works — with full transparency from first call to close.