Farm Land Loans
Strengthen your farm’s financial future by expanding, refinancing, or improving your land with a personalized land loan from FBN® Finance.
3-Year Variable
| Loan Option | Interest Rate |
|---|---|
| 1-Year Variable | |
| 5-Year Variable | |
| 7-Year Fixed | |
| 15-Year Fixed | |
| 20-Year Fixed | |
| 25-Year Fixed | |
| 30-Year Fixed | |
Great Rates
Compared to other ag mortgage lenders, we often help farmers save thousands with great rates, low overhead, and national member network.
Quick Decisions
Save time and money with our secure and simple digital application, speeding up the approval process so you get a decision in days instead of weeks.
Industry Experience
Our FBN Finance loan advisors — many of whom are producers themselves — have a deep understanding of ag and are ready to develop personalized solutions for your farm.
What Is a Farmland Loan?
Farmland loans are primarily designed to help farmers fund the purchase or refinance of agricultural land. This can include farms, ranches, timberland, and hunting land.
What Can Farm Land Loans Be Used For?
Farmland financing is not limited to purchasing land. It can also be used to finance any improvements on your farmland, including:
Construction of barns, silos, livestock facilities, and outbuildings
Installation of grain storage
Hunting ground for recreational use
Farmland loans also allow you to purchase new farmland, refinance existing debt on your property for a lower interest rate, or access additional financing by borrowing against your land.
How to Apply for a Land Loan
At FBN Finance, we strive to make the loan application process as streamlined and simple as possible. Get customized financing in four steps:
1. Submit an Application
Provide your information and upload any necessary documentation through our secure digital application.
2. Receive a Decision
Our loan advisors will review your application and determine your approval in as little as 48 hours.
3. Value Your Farmland
If you're approved, an appraiser will visit your ag operation to assess the value of your farmland.
4. Get Funded
After the appraisal, you’ll secure your interest rate, sign final documents, and receive your loan funding.
Required Documentation
Initial Documentation:
Driver’s license or government-issued ID
Entity documents, if applicable
Current balance sheet for all borrowers and entities
1 year of tax returns for all borrowers and entities
Legal description / parcel ID on all land to be used as collateral
Supplementary Documentation (Needed upon Request):
Projection / crop budget
Crop insurance information
Verification of liquid assets and liabilities from the balance sheet
Estimate Your Farmland Loan Payments
By estimating rates and fees up front, our free calculator helps you effectively plan and strategize your financial options for future land purchases. Just provide a few basic details and the FBN Finance Farm Land Loan Calculator will automatically calculate multiple loan choices customized for you.
Access Free Educational Resources
FBN® Finance is your partner in building a stronger financial future. To help you through every step of the financing journey, we've developed a series of free downloadable guides to help you stay on top of your farm’s finances and scale the future of your farm.
Is It Better to Rent or Buy Farmland?
When establishing a new farm or expanding an existing agricultural operation, is it a better idea to rent or own your farmland?
7 Steps to Purchasing Your Ideal Farmland
When you find your ideal farmland, you’ll want to act fast. The Buying Farmland Checklist, available for free download, can help you get prepared.
Before You Buy: 4 Farmland Factors to Consider
What makes for a quality land investment? Find out before you sign on the dotted line.
How to Find Farmland for Sale
Thinking about establishing a new farm or expanding your operation? Learn how to find suitable farmland available for sale in your local area.
10 Questions to Ask Before Buying Farmland
Once you find farmland that seems to be the perfect fit for your growing agricultural operation, it’s time to dig into details with 10 key questions.
Ag Land Loans 101
The guide covers everything farmers need to know about securing farm land financing, from the basics of the loan application process to common Q&As.
Succession Planning 101
If you are only a decade away from retirement, it’s time to begin succession planning. This guide helps you prepare.
Finance Resource Library
Get more free templates, guides, checklists, and other resources to guide you through the land loan, operating line, and equipment loan financing processes.
FAQs
What is the payment schedule for my land loan?
Loans can be made on a monthly, semi-annual, or annual basis. Prices shown here are based on semi-annual payments. Annual payments increase the interest rate by 0.15%.
Is there a penalty for paying off my land loan early or refinancing it?
No. There is no prepayment penalty.
What fees from FBN Finance are included in my loan?
Your loan will have title fees, appraisal fees, and an origination fee. In most cases, these fees are less than 1% of the loan value. For many refinance loans the fees can be added to the loan itself, so you don’t have any out-of-pocket costs at closing.
Title fees and appraisal fees are passed on to the applicant at cost. If you have a current land appraisal that is less than one year old, you may be able to reuse it, subject to some restrictions. FBN Finance’s origination fee varies by loan size, and can range between 0.3%-0.65%.
How long is the approval process for land loans with FBN Finance?
With other lenders, waiting for a decision on a loan application can take anywhere from five to 10 business days. That waiting period can be stressful and cause delays in important decisions for your operation. With FBN® Finance, however, the application process is much quicker. You'll hear back from a member of our team within 48 business hours.
Who will I be working with if I finance with FBN Finance?
You will work with one of our Loan Advisors as well as our team of credit analysts and loan closers.
Will FBN Finance be there for me for the life of my loan?
While we work with multiple financing partners to fund your loan, for the vast majority of the loans we are your first point of contact for any potential issues that may arise. You'll receive billing statements and other communications from us, will process your payments through us, and contact us for any questions that might arise during the life of your loan.
What type of land do you finance?
We finance land that is used for agricultural purposes. These property types include farms, ranches, bare land, timberland and hunting land as well as improvements.
What is the minimum acreage required?
Your land must be a minimum of at least 10 acres.
What is the loan amount requirement?
The minimum loan amount is $150,000 with no restriction on the maximum requested.
Where can I find farmland?
You can find farmland across the country. Use AcreVision, FBN’s free digital farmland evaluation tool, to find land with the click of a button. See our dedicated California, South Dakota, and Texas pages for state-specific loan information, or contact a member of our team to inquire about financing land in other states. You can also download our free guide “How to Find Farmland for Sale” to discover six ways to find farmland for sale.
*Terms and Conditions
Approval is conditional and subject to final review and verification. Approval, loan closing, and funding are subject to the product’s terms and conditions, and underwriting. Length of time necessary to complete the financing process, if qualified, will vary and depend on one's individual circumstances. Applications above $2.5M and certain applications below $2.5M will require further review and will not receive an instant decision. If you are applying for a loan greater than $2.5M or your initial application was in review, you will likely receive your decision in as little as 48 hours after this step. Desktop appraisal available on vacant land in MN, IL, IA, IN, OH, ND, SD, NE, MO & MI. Full appraisal required on improved property in the aforementioned states, as well as for all other states. Title work necessary in all states.
^This is a non-exhaustive list. There may be situations in which additional or updated documentation will be required.
© 2014 - 2025 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, and “FBN” are trademarks, registered trademarks or service marks of Farmer's Business Network, Inc.
Financing offered by FBN Finance, LLC and its lending partners. 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.
There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment terms, the amount financed, and other factors.