Start your loan process now
Fill out the form below to contact an advisor or call us directly.
Farmland is the backbone of any agricultural operation, and securing financing for it is a critical step in growing your business. While the primary use of a farmland loan is, of course, to purchase farmland, these loans are actually incredibly flexible financial tools that can be utilized for a variety of strategic purposes, aimed at both expansion and improvement.
A farmland loan is a specialized, long-term real estate loan designed to finance the purchase, refinance, or expansion of agricultural land and related permanent improvements. FBN® Finance farmland loans are designed to help you fund the purchase or refinance of agricultural land, including farms, ranches, timberland, and hunting land.
Unlike a short-term operating loan for supplies, a farmland loan is secured by the property itself and is structured with longer repayment terms to accommodate the significant capital investment of agricultural real estate. It provides farmers with the necessary financing to grow their operation, build farm infrastructure, or transition ownership.
Acquisition and Expansion: The most common use is to buy new acreage, which allows you to expand your operation, diversify your crops, or increase your overall production capacity. You can use the loan to acquire tracts of land that are immediately adjacent to your existing property or parcels located further away.
Refinancing Existing Debt: Many farmers use a new farmland loan to refinance an existing, higher-interest land mortgage or real estate loan. This can significantly reduce your monthly payments or interest rate, improving your cash flow and freeing up capital for other operating expenses.
Capital Improvements: Farmland loans can finance the costs associated with making the land more productive. This includes major improvements like installing new drainage or irrigation systems, building vital infrastructure like a barn or livestock facility, or making land-clearing and soil conservation improvements.
Grain Bin Installation: These loans can also be used to finance grain bins or other storage assets by covering the costs of construction, including the bin itself, concrete foundations, and necessary handling and drying equipment.
Transfer of Ownership: Farmland loans are frequently used to facilitate the intergenerational transfer of a farm. A loan can provide the necessary capital for a younger farmer to purchase the land from a retiring relative, ensuring the family legacy continues without forcing a complete sale.
Whether you are looking to purchase your first plot, refinance your current mortgage, or invest in essential on-farm infrastructure, a farm land loan provides the necessary financial structure.
Ready to secure the financing your operation deserves? FBN Finance offers specialized farm land loans built for the unique needs of U.S. farmers. Learn more about our competitive rates and flexible terms today.
Whether you’re planning to expand your operation with a new land purchase, refinance your farm, or make improvements to your ranch, our experienced team is ready to help you secure the land loan you need to build a stronger financial future.
You can also pre-qualify for a FBN Finance land loan, which offers you peace of mind by knowing how much you could receive to finance a future farmland purchase. Pre-qualifications, which are available up to $3 million, are valid for 180 days. Applying does not impact your credit score. Click here to pre-qualify.
We aim to make financing for family farmers simple and affordable. Because each farm is unique, the FBN Finance team strives to offer a variety of personalized financing solutions that may be useful in managing or growing your ag operation. These include:
The right farm equipment is essential to streamlining efficiency and maximizing yield, but new machinery can often be prohibitively expensive. Farm equipment loans can help.
From tractors and plows to hay balers and harvesters, the right ag equipment can make be a game changer. Purchase new or used machinery using a farm equipment loan from FBN Finance.
A farm line of credit is a flexible financial tool secured by real estate and designed to meet farmers' unique seasonal cash flow.
Once approved for a credit limit, draw what you need for inputs, labor, rent, or farmland purchases; funds instantly become available to re-borrow as you repay the principal. Because you only pay interest on the money used, you can take advantage of timely discount opportunities and manage unexpected costs without ever having to re-apply. Learn more about securing a farm line of credit up to $15 million here.
Farming is a capital intensive business with a seasonal income timeline. To fund essential purchases throughout the season, farmers often rely on farm operating lines.
Scale your operation, pay rent, finance equipment purchases, or cover labor costs with an operating line from FBN Finance's trusted financing partner, which is a line of credit without a fixed payment schedule.
What Documentation Do I Need When Applying for an FBN® Finance Land Loan?
Should Your Land Purchase Be Set Up in an LLC or Corporation?
What Are the Average Upfront and Closing Costs for a Land Loan?
© 2014 - 2026 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, “Farmers Business Network”, “FBN”, "Farmers First", “FBN Direct” , "F2F", and "F2F Genetics Network" are trademarks or registered trademarks of Farmer's Business Network, Inc.
The material provided is for information purposes only. It is not intended to be a substitute for specific professional advice. Neither Farmer’s Business Network nor any of its affiliates makes any representations or warranties, express or implied, as to the accuracy or completeness of the statements or any information contained in the material and any liability therefore is expressly disclaimed.
Financing offered by FBN Finance, LLC and its lending partners. Available where FBN Finance, LLC is licensed. Terms and conditions apply. To qualify, a borrower must be a member of Farmer’s Business Network, Inc. and meet all underwriting requirements. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify. NMLS ID: 1631119.