FREQUENTLY ASKED QUESTIONS

Below are some common questions about Farm & Ranch Lending for California and the western United States.  If you have a question that isn’t addressed, please feel free to call or fill out the contact form.

What are the qualifications for Farm & Ranch loans?

    • Secured by first priority lien on real estate
    • Primary residence on rural farm acreage may qualify
    • Annual gross farm income of $5,000 or more
    • Loan-to-Value ratio ≤ 70%
    • Loan size: $500,000 to $50+ million
    • Cash flow available to service debt ≥ 1:1

What are typical Farm & Ranch loan terms?

  • Interest rate locks: monthly variable to 30 years fixed
  • Loan maturities up to 30 years
  • Real Estate Secured Line of Credit (RLOC)

What is the current interest rate?

Interest rates change daily with market conditions and vary by credit quality, please call for a current quote.

What if I don’t qualify?

If you fail to qualify for an institutional loan due to poor credit, business transition that impairs cash flow or other factors that may be considered temporary, please refer to our section on Alternative Financing.

REQUEST A CONSULTATION

For more information on how Kritscher & Associates can assist you with a debt restructure, bridge loan or special financing, please fill out the contact form or, call us at (530) 405-6036.

SUBMIT

Farm and Ranch

FARM & RANCH LENDING

Over the years Kritscher & Associates has found that no individual lender is ideally suited for all types agricultural credit. Each institution has underwriting standards and industry preferences tailored to their areas of expertise, risk tolerance and institutional objectives. K&A maintains relationships with a variety of institutional lenders and takes pride in our ability to efficiently match our borrower’s business and credit needs with the most appropriate lender and loan structure.

FARM & RANCH SOLUTIONS

Through its partnerships, Kritscher & Associates offers financing solutions for your farm and ranch needs in the California and Western United States regions. Whether you are a hobby farmer or large ranch operation, we can help you secure financing to expand your operation or restructure your current debt.

LOAN PRODUCTS & PROGRAMS

  • Real estate secured revolving line of credit (RLOC)
  • Farm and ranch term loans
    – Rate and term options
    – Fixed rate options include 3, 5, 7, 10, 15, 20, 25 and 30 year
    – Amortizations out to 30 years
    – Monthly, semi-annual or annual payment options
  • Development financing
    – Financing for real estate acquisition
    – Financing for land improvements and cultural costs upon approved budget
    – Interest only, semi-annual payments
    – Agribusiness facility loans

FARMERS & INVESTORS

Kritscher & Associates offers it’s four decades of agricultural experience and industry relationships to:

  • Consider the full range of financing options available through Insurance Companies, the Farm Credit System, Commercial Banks and non-traditional lenders
  • Assist you to qualify for and obtain the best available rates and terms
  • Analyze real estate investment opportunities and obtain appropriate financing
  • Develop alternative strategies for times when loan repayment becomes difficult