Oregon Grows the World's Grass Seed.
We know the Willamette Valley. We know grass seed farming. And we build loans around the way this commodity actually generates cash.
$500K – $15M+
Loan Range
Willamette Valley
Region
Harvest-Aligned
Payments
ODA / OSCIA Recognized
Certifications
Overview
Oregon Grass Seed Country's Agricultural Lender
Oregon's Willamette Valley produces over 70% of the world's grass seed — ryegrass, fescue, bentgrass, bluegrass, and dozens of other varieties that seed everything from golf courses to roadsides to home lawns worldwide. This is a major commodity market, and Willamette Valley farmland ranks among the most productive and valuable agricultural acreage in the Pacific Northwest.
Grass seed farming has a distinct cash flow cycle: field certification and planting in fall, active growing season through winter and spring, and a concentrated late-summer harvest followed by commodity sale. Loans need to be structured around that calendar — not against it. We build payment schedules, operating lines, and land purchase structures that align with how this crop actually generates revenue.
Who This Is For
Key Features
What Makes This Program Work
Willamette Valley Land Loans
Farm purchase and refinance loans for certified grass seed acreage — we know local land values, soil productivity ratings, and EFU zoning requirements.
Harvest Payment Alignment
Annual or semi-annual payment structures timed to post-harvest commodity sales — not arbitrary monthly bank calendars that create cash flow pressure during the growing season.
Commodity Hedging Recognized
Forward contracts and commodity price hedges are treated as income stabilizers, improving your DSCR and strengthening your qualification profile.
ODA Certification Valued
ODA and OSCIA field certification history is reviewed favorably — certified acreage commands a production premium that we recognize in our income analysis.
Seed Processing Facility Loans
Finance seed conditioning, cleaning, and storage facilities alongside land for vertically integrated grass seed operations.
Operating Lines Available
Revolving credit for seed cleaning costs, chemical inputs, fuel, labor, and equipment rental during the planting and harvest windows.
The Process
How It Works
Farm & Certification Review
We start by reviewing your acreage, varieties grown, ODA certification status, and commodity marketing arrangements — the fundamentals of your operation.
Schedule F Documentation
Two years of Schedule F returns documenting grass seed production income, with any active forward contracts or cooperative distribution agreements.
Cash Flow Modeling
We model your income around the grass seed production calendar — fall seeding costs, spring growing expenses, summer harvest, and fall/winter commodity sale.
Appraisal
A certified agricultural appraiser familiar with Willamette Valley grass seed land evaluates your property using certified acreage productivity and comparable sales.
Loan Structuring
We present a loan structure with payment timing matched to your harvest and commodity sale schedule — the way grass seed farming actually works.
Close & Get Back in the Field
Efficient, clean closing. You fund and get back to what matters — managing your rotation, maintaining your certification, and growing your operation.
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
Wineries & Vineyards
Another Willamette Valley specialty — Oregon wine country financing with enterprise value underwriting.
Operating Lines of Credit
Pair your land loan with an operating line timed to your grass seed production calendar.
Grass Seed Loan Calculator
Estimate carrying costs on Willamette Valley grass seed land purchases at typical ag down-payment scenarios.
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.