Land That Works. Financing That Fits.
Working cattle ranches, managed timberland, and mixed-use rural properties deserve a lender who understands productive land value — beyond the square footage.
$500K – $20M+
Loan Range
No Maximum
Acreage
Ranch, Timber, Mixed
Property Types
Grazing, Timber, Hunting
Income Streams
Overview
Financing Built Around How Land Generates Value
Ranch and timberland properties carry value that most lenders struggle to quantify. Grazing leases, timber contracts, hunting rights, conservation easements, water rights, and mineral interests all contribute to a property's productivity — but rarely show up cleanly in a traditional income analysis. We know how to read the land.
Our ranch and timberland loans are structured around the full productive value of your property — not just the appraised comparison value of adjacent vacant land. Whether you're acquiring a working cattle operation, a managed Douglas fir stand, or a diversified rural property with multiple income streams, we build a financing structure that reflects how the land actually performs.
Who This Is For
Key Features
What Makes This Program Work
Timber Contract Income
Existing timber harvest contracts and stumpage agreements are evaluated as income-producing assets — not dismissed as speculative.
Grazing Lease Revenue
Active grazing leases with creditworthy tenants are underwritten as stable rental income, improving your debt service coverage.
Hunting & Recreational Rights
Documented hunting lease revenue, guide service income, and recreational use agreements all factor into our income analysis.
Water Rights & Mineral Interests
We assess water rights, irrigation infrastructure, and mineral lease income as separate income-producing assets alongside the land.
Conservation Easement Income
Properties with USDA CRP, NRCS EQIP, or private conservation easement payments receive full credit for that recurring income.
No Acreage Cap
We don't impose arbitrary acreage limits. Large ranches and timberland tracts qualify for financing based on documented income and collateral value.
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 a working farm alongside your ranch? Our farm purchase program covers row crops, orchards, and mixed-use agricultural operations.
Raw Land Loans
Looking at undeveloped timberland or grazing acreage not yet under active management? See our raw land loan program.
Ranch Loan Calculator
Model carrying costs on large ranch or timberland balances and stress-test rate scenarios before locking.
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
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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.