Farm Land Loans
FBN Finance offers ag lending solutions to help producers finance their operation.
Great Rates
Be confident you're getting a great rate. Our team is often able to save customers thousands of dollars thanks to our low overhead and nationwide network.
Instant Approvals*
With FBN Finance’s instant approvals, your land loan application could potentially be approved within minutes for land loans up to $2.5 million* if qualified.
Digital Application
Our streamlined online application will likely save you time and empower you to track your application's progress throughout the application and review process.
Industry Experience
Our FBN Finance loan advisors, analysts, and closers — many of whom are producers themselves — each have an average of 15 years of ag finance experience and are ready to develop customized solutions to your unique financing needs.
6.15%
5-Year Variable
| Loan Option | Interest Rate |
|---|---|
| 1-Year Variable | 5.62% |
| 3-Year Variable | 5.72% |
| 7-Year Fixed | 6.29% |
| 15-Year Fixed | 6.47% |
| 20-Year Fixed | 6.90% |
| 25-Year Fixed | 7.07% |
| 30-Year Fixed | 7.14% |
Get Started
Get Pre-Qualified for a Land Loan
Did you know you can now get pre-qualified for a land loan?
Applying does not impact your credit score. Rather, it affords you the opportunity to make an informed financial decision so that you can save thousands of dollars at a great rate with a farm land loan from FBN Finance and, ultimately, gain a competitive advantage in your agricultural sector.
Pre-qualification is valid for up to 180 days. You can use this time to begin your land search and have peace of mind knowing the amount you’re pre-qualified to receive is up to $5 million.
What Is a Farm Land Loan?
Farm land loans are primarily designed to help farmers fund the purchase or refinance of agricultural lands. This can include farms, ranches, timberland and hunting land.
What Can Farm Land Loans Be Used For?
Farm land financing is not limited to purchasing land. It can also be used for financing any improvements on these lands, including:
Construction of livestock facilities
Barns, silos & outbuildings
Grain storage
Hunting ground for recreational use
Farm land loans may also allow you to purchase new farm land or refinance existing debt on your property for a lower interest rate. Some lenders can also help you access additional financing by borrowing against your land.
Typically, land is a farmer’s largest asset and many people have equity that is built up from years of paying down debt and the appreciation of their land. An example of an asset-backed product is a long-term revolving line of credit with 5-10 year draw periods which can be used for operations, improvements, or established for future land purchases.
Leveraging the equity in your land can improve your access to working capital and give you additional liquidity for operational needs.
How Does the Farm Land Loan Application Process Work?
Applying for an ag land loan can often feel like a complicated process. At FBN Finance, we strive to make the farm land loan application process as streamlined and simple as possible so you can spend your time where it should really be spent: on your operation. Get customized financing for your FBN Finance farm land loan in five straightforward steps:
1. Apply in Minutes
Complete the brief FBN Finance farm land loan application securely online or contact a member of our advisory team for additional support. Once submitted, you can track the progress of your application as it is reviewed by our team.
2. Upload Documents
With a guided process to help you complete the submission process quickly, our secure system will walk you through your necessary document uploads. See a full list of required documents by clicking the link below.
3. Receive a Decision
Next, our dedicated FBN Finance loan advisors will review your application and determine your approval in as little as 48 hours.
4. Value Your Farm Land
If your application and documents are approved, an appraiser will then assess the value of your land. Note that your operation must have a minimum of 10 acres to be eligible for a farm land loan from FBN Finance.
5. Get Funded
Once your farm land appraisal is complete, you’ll secure your land loan interest rate, sign the final documents, and receive your loan funding.
What Documentation Is Required for a Land Loan Application?
Initial Documentation:
Driver’s license or government-issued ID
Entity documents, if applicable (depending on the type of entity involved, this may include: articles of organization, articles of incorporation, operating agreement, By-laws, partnership agreement, trust documents, etc.)
Current balance sheet for all borrowers and entities
3 years 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 (statements) of liquid assets and liabilities from the balance sheet
Estimate Farm Land Loan Payments
With a Farmers First® mindset at the forefront of everything we do at FBN, we developed a Farm Land Loan Calculator to bring much needed transparency to the typically ambiguous farm land loan process.
By estimating rates and fees up front, the free calculator helps you effectively plan and strategize your financial options for future land purchases, which can include farms, ranches, timberland, and hunting land. Compare different loan options prior to a land purchase to determine which path forward will work best for your Ag operation.
To estimate your farm land loan payments with FBN Finance, use the Farm Land Loan Calculator to:
1. Answering a few questions to provide basic information about your loan, including:
Your desired loan amount (minimum of $150,000 required)
Estimated land value and acreage (minimum of 10 acres required)
Your credit score
2. Receiving an estimate of your semi-annual or annual loan payments based on the information you provided and our current rates at FBN Finance.
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 so you can stay on top of your farm’s finances and scale your ag operation for the future.
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.
BLOG
Finance and Marketing News
Click on a tile below to visit our FBN Finance blog.
Ag Finance Outlook for 2025
What should farmers know for their finances this year? Dan English, general manager of FBN® Finance, walks through his 2025 economic outlook and shares how farmers can best set themselves up for success this season.
What Can I Use a Farm Land Loan For?
Learn how FBN® Finance Ag land loan products can help you finance improvements on your farm land or refinance existing debt on your property.
Fixed Rate vs. Variable Rates: Which is Better?
Understanding the difference between fixed and variable rates will help farmers in the market for farm land loans.
How Much Income Do You Need to Have to Qualify for Refinancing?
Refinancing your farmland loans can be a way to optimize cash flow, consolidate your debt into a single payment with a lower interest rate, and lower your monthly payments.
How Do Interest Rates Affect Farm Mortgage Payments?
In this post, we discuss everything from how interest rates impact farm mortgage payments to whether now is the right time for farmers to consider investing in agricultural property.
How Does the FBN® Finance Appraisal Process Work?
With a Farmers First® mindset at the forefront of everything we do, FBN Finance strives to be as transparent as possible about the appraisal process so you know what to expect when partnering with our team for your land financing.
You Should Begin Succession Planning Earlier Than You Think: Here’s Why
Being proactive can help you prepare for tax impacts, plan long-term goals for your ag operation, and benefit your family.
How Can I Estimate My Farm Land Loan Payments?
With the free Farm Land Loan Calculator you can easily and quickly run various scenarios to see how factors like your credit score, payment frequency, and loan product could impact your loan options.
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. In many cases, they 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 Farmer Mac’s guidelines. FBN’s origination fee varies by size, but will either be 0.65% or 0.3%.
What are instant approvals 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. If you qualify, your land loan application could potentially be approved within minutes for land loans up to $2.5 million*.
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 Farmer Mac to provide the financing, we will be your “Field Servicer.” This means we will be your first point of contact for any issues you have with the 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.