Agricultural Loans for Farms, Ranches & Rural America.
UFIG originates agricultural loans nationwide for working farms, hobby farms, ranches, vineyards, orchards, equestrian properties, and rural land — from $500K. Farmer Mac, USDA B&I, SBA, and conventional farm loan programs. One dedicated ag loan officer from first call to funded.
Farm loans and agricultural financing for
every property type and operation.
UFIG finances a broad spectrum of agricultural real estate — from large-scale production farms and ranches to hobby farms, horse stables, vineyards, and orchards. If the property has agricultural use and meets our $500K minimum, we review it.
Working Farms
Row crop, grain, hay, and commodity operations of all sizes
Ranches & Livestock
Cattle, beef, feedlot, and grazing land operations
Vineyards & Wineries
Vineyard acquisition, expansion, and winery financing
Orchards & Groves
Apple, citrus, pecan, almond, and specialty tree crops
Equestrian Properties
Horse stables, riding facilities, breeding operations, and training centers
Hobby Farms
Lifestyle farms, small acreage operations, and recreational agricultural properties
Poultry & Dairy
Poultry houses, dairy operations, egg production, and processing facilities
Specialty Agriculture
Aquaculture, timber, nurseries, greenhouses, and agribusiness facilities
Most lenders do not understand agricultural real estate.
Agricultural loans require lenders who understand seasonal cash flow, commodity cycles, crop insurance, land valuation, and the difference between a working operation and a speculative purchase. Most commercial lenders look at a farm file the same way they look at retail — and miss the deal entirely. UFIG reviews agricultural loan requests with the context they require.
- File reviewed within 24 hours — farm loans are not afterthoughts here.
- Hobby farms and lifestyle ranches are eligible — we do not turn away small operations.
- Farmer Mac, USDA B&I, SBA 7(a), SBA 504, and conventional farm loan programs.
- Seasonal payment structures — semi-annual and annual payment options available.
- One loan officer stays with your file from first call through closing.
- 01 The operation’s history, not just last year’s financials
- 02 Land value in the context of agricultural use — not just comparable sales
- 03 Seasonal income patterns — not all revenue arrives monthly
- 04 The borrower’s plan for the property, not just its current state
- 05 Whether the deal fits Farmer Mac, USDA, SBA, or conventional — and why
From your land to funded —
in four steps.
UFIG’s agricultural loan process is built for farm operators, not for paperwork. Here is exactly how it works.
Submit Your Deal
One quick form or phone call. Tell us about your farm, ranch, vineyard, or rural property.
24-Hour Ag Review
Your dedicated loan officer reviews the file the same day — with real agricultural lending expertise.
Program Match & Quote
We match your deal to Farmer Mac, USDA B&I, SBA, or conventional — and deliver a clear rate quote.
One Officer to Close
The same specialist stays with your file through underwriting, appraisal, and funding. No hand-offs.
Agricultural loan programs matched to
the property, the borrower, and the operation.
UFIG accesses multiple agricultural lending channels — Farmer Mac, USDA B&I, SBA, and conventional farm mortgage programs. The channel we use is determined by your deal, not our preference.
Farmer Mac Agricultural Loans
Long-term farm real estate financing with fixed and adjustable rate options. Competitive agricultural loan rates for working farms, ranches, and rural properties.
- LTV Up to 70%
- Terms 10–30 Years
- Payment Monthly, Semi-Annual, Annual
- Prepay Open or Restricted Options
- Min Loan $500,000
USDA Business & Industry Loans
Government-guaranteed agricultural and rural business financing. Higher leverage for qualifying farm operations and agribusiness facilities in eligible areas.
- LTV Up to 80–90%
- Terms Up to 30 Years (RE)
- Guarantee Up to 80%
- Use Acquisition, Refi, Equipment
- Min Loan $500,000
SBA 7(a), 504 & Conventional Farm Loans
Owner-user farm financing through SBA 7(a) and 504 programs, plus conventional bank farm mortgage options for stabilized operations.
- SBA LTV Up to 90%
- Conv. LTV Up to 75%
- Terms 10–25 Years
- Use Purchase, Refi, Expansion
- Min Loan $500,000
Yes, UFIG finances hobby farms.
Most agricultural lenders focus on large production operations and overlook hobby farms, lifestyle ranches, and small-acreage properties. UFIG does not. If you are purchasing or refinancing a hobby farm, equestrian property, small vineyard, or rural lifestyle property that meets our $500K minimum, we review it the same way we review any agricultural loan — thoroughly and without assumptions about scale.
- Hobby farm loans underwritten on non-farm income — your day job qualifies you.
- Minimum 5 acres for the Lifestyle Ranch Loan program.
- Purchase and refinance — cash-out considered on a case-by-case basis.
- Horse properties, small orchards, gentleman farms, and recreational acreage.
- Up to 70% LTV, 30-year term, monthly payments.
- Max Loan Size $3,000,000
- Loan-to-Value Up to 70%
- Minimum Credit Score 700
- Minimum Acreage 5 Acres
- Debt-to-Asset 55% Max
- Underwriting Basis Non-Farm Income
Current Farm Loan Rate Sheet
| Product Type | Payment | Term | Amortization | Standard Rate | Choice Rate |
|---|---|---|---|---|---|
| AgEquity RLOC | S/A | 30 years | 20/25 years | 5.78% | N/A |
| 1 Month VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 5.67% | 5.32% |
| 1 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 5.69% | 5.34% |
| 3 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 5.99% | 5.64% |
| 5 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 6.10% | 5.75% |
| 7/1 ARM | Mo, S/A | 15 years | 15/25/30 | 8.07% | 7.94% |
| 10/1 ARM | Mo, S/A | 15 years | 15/25/30 | 8.07% | 7.94% |
| 10 Year VRM | Mo, S/A | 15/20/25/30 | 25/30 | 6.52% | 6.17% |
| 15 Year VRM | Mo, S/A | 20/25/30 | 25/30 | 6.75% | 6.40% |
| 10 Year Fixed | Mo, S/A | 10 years | 10 years | 6.20% | 5.85% |
| 15 Year Fixed | Mo, S/A | 15 years | 15 years | 6.45% | 6.10% |
| 20 Year Fixed | Mo, S/A | 20 years | 20 years | 6.91% | 6.56% |
| 25 Year Fixed | Mo, S/A | 25 years | 25 years | 7.02% | 6.67% |
| 30 Year Fixed | Mo, S/A | 30 years | 30 years | 7.20% | 6.85% |
| Product Type | Payment | Term | Amortization | Open Prepay | 7-Yr Restriction |
|---|---|---|---|---|---|
| 3 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 6.53% | N/A |
| 5 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 6.78% | N/A |
| 7 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 7.08% | N/A |
| 10 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 7.28% | 6.78% |
| 15 Year VRM | Mo, S/A | 20/25/30 | 20/25/30 | 7.58% | 7.08% |
| 10 Year Fixed | Mo, S/A | 10 years | 10 years | 6.93% | 6.48% |
| 15 Year Fixed | Mo, S/A | 15 years | 15 years | 7.23% | 6.78% |
| 20 Year Fixed | Mo, S/A | 20 years | 20 years | 7.43% | 6.98% |
| 25 Year Fixed | Mo, S/A | 25 years | 25 years | 7.53% | 7.08% |
| 30 Year Fixed | Mo, S/A | 30 years | 30 years | 7.63% | 7.18% |
⚠ Important Disclosures & Payment Notes
SPECIAL PRICING — Above rates apply on loans under $5 million. For quotes over $5 million and for highly specialized properties (dairy, swine, agribusiness, etc.), contact your Loan Officer. Effective 3/1/22 for loans $250,000 or less, add 0.25%.
PREPAYMENTS — Prepayments on all loan products between payment dates require interest to be paid to the next payment date, except for RLOC products.
PAYMENT DATES — Semi-annual payments are January 1 & July 1 or April 1 & October 1. Monthly payments are the first of every month. Annual payment option is available with a 15 bp premium.
VRM PRODUCTS — VRMs have a fixed interest rate for 1–15 years and adjust every 3/5/10/15 years thereafter to an interest rate term equal to the initial fixed term.
INTEREST RATE LOCKS — Credit approval required prior to rate lock. Rates subject to change and are determined at time of rate lock. Rates may be locked any business weekday from 10:00 AM to 2:00 PM CST.
CHOICE RATES — Choice Rates must meet higher underwriting standards.
Common questions about
farm and agricultural financing.
Your farm deserves a lender who
understands agriculture.
Call during business hours to speak directly with an experienced agricultural loan officer, or submit your deal for review. We evaluate whether the file fits Farmer Mac, USDA B&I, SBA, or conventional farm lending — and tell you why.
Tell Us About
Your Agricultural Property.
- Response within 24 hours — often same day
- Pre-underwritten before any lender sees your file
- Farmer Mac, USDA B&I, SBA, and conventional programs reviewed
- Hobby farms, vineyards, orchards, and equestrian properties welcome
- If it can’t be placed, you’ll hear why — specifically, not vaguely
Landing Page Lead Form
Agricultural loans for farms, ranches, dairies, vineyards, orchards, hobby farms, equestrian properties, and poultry operations — UFIG originates farm financing nationwide through Farmer Mac, USDA B&I, SBA 7(a), SBA 504, and conventional agricultural lending programs from $500K. Learn about federal agricultural programs through the USDA Farm Service Agency, or contact our experienced agricultural lending specialists at (888) 556-4029.