Your Farm. Your Land. Your Future.
From your first 40 acres to a 2,000-acre row crop operation — we finance agricultural land and farm acquisitions the way farm income actually works.
$500K – $25M+
Loan Range
20–30%
Min. Down Payment
Up to 30 Years
Amortization
Monthly to Annual
Payment Schedules
Overview
Farm Financing Built Around How Farms Work
Buying a farm is fundamentally different from buying a house. The income is seasonal, the collateral is both land and a living operation, and the payment structure needs to flex around commodity prices, crop insurance, and harvest timing. Standard bank underwriting doesn't handle this well — which is why we built a dedicated agricultural lending division.
Our farm purchase loans are available in Oregon and California for row crops, dairies, mixed-use farm parcels, orchards, and specialty crop operations. We evaluate your full financial picture — farm tax returns, Schedule F documents, off-farm income, crop insurance policies, and government program payments — to build a loan structure that actually fits.
Who This Is For
Key Features
What Makes This Program Work
Loans Up to $25M+
We finance everything from small family farms to large-scale commercial operations — with no arbitrary loan ceiling on qualifying operations.
Seasonal Payment Options
Monthly, quarterly, semi-annual, or annual payment schedules available to align with your crop cycles and commodity income calendar.
Schedule F Underwriting
We analyze farm income from Schedule F, Form 1120, and crop insurance loss histories — not just W-2s and bank statements.
All Farm Types
Row crops, orchards, dairies, mixed-use parcels, and specialty crop operations all qualify under our underwriting guidelines.
Crop Insurance Considered
Crop insurance indemnities and forward grain contracts are factored in as income stabilizers during underwriting.
FSA Program Compatible
Compatible with FSA Beginning Farmer loans, Emergency Loan programs, and USDA guaranteed loan programs.
The Process
How It Works
Farm Profile Review
We start by understanding your operation — acreage, crop types, income history, and financing goals. A 20-minute call is usually enough to identify your options.
Financial Documentation
We'll request your last 2 years of farm returns, Schedule F, operating statements, and a property description. We keep the list concise and practical.
Global Cash Flow Analysis
Our underwriters build a complete income picture combining farm income, off-farm sources, rental income, USDA payments, and crop insurance to establish DSCR.
Loan Structuring
We present a loan structure — amount, term, rate, and payment schedule — designed around how your operation generates cash, not how a bank prefers to receive it.
Appraisal & Approval
A certified agricultural appraiser evaluates the property. Once the appraisal is received and reviewed, final approval is issued.
Close & Get Back to Work
We close efficiently with no last-minute surprises. You fund, we record, and you get back to running your land.
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
Ranch & Timberland Loans
Looking at cattle ranches or managed timberland? See our dedicated ranch and timber financing programs.
Operating Lines of Credit
Farm purchases often pair with revolving operating lines for seasonal input financing.
Oregon Farm Loan Calculator
Estimate monthly payments at typical 25–35% down scenarios and compare 20-, 25-, and 30-year amortization side by side.
FAQ
Common Questions
From the Blog
Further Reading
AgriculturalAgricultural Loans: Financing Farm & Ranch Property in Oregon
Financing agricultural land is fundamentally different from a standard home purchase. Here's what Oregon farmers, ranchers, and rural property buyers need to know.
AgriculturalAg Equity Lines of Credit: Unlocking Farm and Ranch Equity Without Selling an Acre
An Agricultural Equity Line of Credit gives farmers and ranchers revolving access to up to $10 million in land equity — with no annual maintenance fee, no minimum usage requirement, and interest-only semi-annual payments during a 5 or 10 year draw period. Here's how it works and what you can do with it.
What Our Clients Say
Five-Star Reviews from Real Borrowers
All reviews verified on Google
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.