Tree Crops Run Deep. So Does Our Financing.
Almonds are California's #1 agricultural export. Oregon's Willamette Valley grows over 99% of the U.S. commercial hazelnut crop. We finance both — with loan structures built around long production cycles, orchard establishment costs, and the unique income patterns of permanent tree crops.
$500K – $20M+
Loan Range
20–30%
Min. Down Payment
Almonds, Hazelnuts & More
Crop Types
Up to 30 Years
Amortization
Overview
Financing Built for the Long Arc of Tree Crop Agriculture
Tree nut operations don't fit a standard agricultural lending template — and they certainly don't fit a residential one. Almonds take five to seven years to reach full production. Hazelnut orchards require years of establishment investment before the first meaningful harvest. Water infrastructure, bee pollination contracts, and commodity price volatility all shape the financial picture in ways that generic underwriting models miss entirely.
California's Central Valley produces roughly 80% of the world's almonds — a commodity valued at over $5 billion annually in California alone. In Oregon, the Willamette Valley accounts for over 99% of the U.S. commercial hazelnut supply, with demand growing steadily as domestic specialty food markets and export buyers compete for supply. Both crops reward patient, well-capitalized growers — and both require lenders who understand that the investment horizon in permanent plantings is measured in decades, not months.
Our almond and nut grower loan programs are structured around how tree crop operations actually generate income — with consideration for orchard age and productivity curves, establishment period financing, water rights and irrigation infrastructure, forward marketing contracts, and the commodity pricing dynamics that define profitability in nut production.
Who This Is For
Key Features
What Makes This Program Work
Orchard Establishment Financing
We lend on pre-production orchards and factor in the establishment curve — recognizing that a 3-year-old almond orchard has real collateral value even before first full harvest.
Commodity Income Underwriting
Almond and hazelnut commodity income is underwritten using multi-year averages, forward contracts, and crop insurance — not just last year's Schedule F.
Water Rights & Irrigation Infrastructure
Groundwater rights, surface water allocations, and drip irrigation systems are evaluated as productive assets and factored into both collateral value and income analysis.
Crop Insurance Considered
MPCI and revenue protection policies on nut crops are counted as income stabilizers, strengthening your debt service coverage during low-yield or low-price years.
Harvest-Aligned Payment Schedules
Annual or semi-annual payment structures that align with fall harvest and commodity sale timing — not arbitrary monthly calendars that ignore when nut income actually arrives.
Oregon & California Expertise
We understand both the Central Valley water politics and San Joaquin irrigation district structures that define almond lending in California, and the hazelnut expansion dynamics in the Willamette Valley.
The Process
How It Works
Operation Review Call
We start with a 20-minute call to understand your orchard — acreage, crop type, tree age, water rights, and financing goal. We know the right questions to ask.
Documentation Package
We'll request farm tax returns, Schedule F, water rights docs, crop insurance policies, any forward marketing contracts, and a property description. We keep it focused.
Orchard Income Analysis
Our underwriters build income using a multi-year commodity average, forward contracts, and crop insurance — accounting for the production curve of your specific orchard age and varietal mix.
Collateral & Water Rights Valuation
An MAI-certified appraiser with permanent planting and tree crop experience evaluates the orchard. Water rights and irrigation infrastructure are assessed as part of the collateral package.
Loan Structuring
We present a loan structure — amount, term, payment schedule, and rate — designed around your harvest timing and commodity income calendar.
Close & Get Back to the Orchard
Efficient closing with no last-minute surprises. You fund, we record, and you get back to managing your trees.
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
Acquiring farmland alongside your orchard? Our farm purchase program covers mixed-use agricultural properties across Oregon and California.
Operating Lines of Credit
Pair your orchard purchase loan with a seasonal line for irrigation, pollination, harvest, and input costs aligned with your crop calendar.
Agribusiness & Processing
Finance nut shelling, processing, and cold storage facilities alongside your orchard real estate.
Orchard Loan Calculator
Run almond, walnut, and orchard purchase scenarios with seasonal cash flow in mind across multiple amortization terms.
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.