We financerural prosperity.
From family farms spanning generations to modern agricultural operations, we provide financing that traditional lenders can't match. We evaluate the land's potential, water resources, and operational history to create funding solutions that work for rural America.
Every mile of farm-to-market road
tells a different story.
Click any property type to see a sample loan structure, seasonal cash-flow timeline, and a borrower who financed the same kind of ground.
Eco-conscious farming operations that traditional lenders overlook. We see the future of agriculture.
320-acre dryland parcel with Class II soils, 18" annual precipitation average, and 12-year yield history. Clean title, no easements.
“Acreage looked at my yield history and APH records, not just my tax returns. They understood that a dry year doesn't make bad ground.”
Sample structure only. Rates and terms vary by property, creditworthiness, and program availability.
Pivot ground with water rights attached. The most bankable acres in the county — if your lender understands water law.
160-acre irrigated parcel with 4-tower pivot, senior water rights (1962), Class I Ogallala soils. Avg 215 bu/ac corn yield over 10 years.
“Our water rights were senior appropriation — 1962 priority date. Every bank we talked to couldn't underwrite that. Acreage built the appraisal around it.”
Sample structure only. Rates and terms vary by property, creditworthiness, and program availability.
Deeded pasture, native grass, and a calving barn that's been in the family since '74. This is the ground commercial lenders can't price.
1,280-acre deeded ranch, 900ac native grass pasture, 380ac CRP, calving barn (2018), 6 water tanks, 3-wire perimeter fence. Carrying capacity: 1 AUM/8ac.
“We had a tough calving season — lost 18 head to a March blizzard. Acreage refinanced us based on the herd value and the land, not the bad year.”
Sample structure only. Rates and terms vary by property, creditworthiness, and program availability.
Forty acres with a barn, a garden, and mountain views. Your first land purchase — and maybe your last mortgage.
40-acre parcel, 2-bed farmhouse (1987), 3-stall barn, 2ac market garden, 38ac pasture/hay. Well (8 GPM), septic (2019), mountain views, paved county road.
“We found 40 acres with a retiring neighbor willing to carry a short contract. Acreage refinanced us into a 30-year fixed before the contract balloon hit.”
Sample structure only. Rates and terms vary by property, creditworthiness, and program availability.
Neighbors who signed
their names to the same land.
Every borrower financed a different kind of ground — but the same hands closed the loan.
“Three generations on this ground. The bank said the cow-calf operation wasn't 'income-producing' enough. Acreage read the land itself — the AUM capacity, the grass lease history, the water rights. Closed in 38 days.”
“We were the young couple at the auction — outbid twice before Acreage helped us structure an offer the retiring neighbor would take. Land contract refi into a 25-year fixed, no balloon, no surprises.”
“After the blizzard took calves in February, my debt-to-asset looked terrible on paper. Acreage used the 5-year average, not the worst year. They financed the expansion into the adjacent section before it hit auction.”
“Our pivot had senior water rights from 1958 — the most valuable thing on the property. Every lender we called couldn't appraise it. Acreage knew exactly what those rights were worth and financed accordingly.”
“I wanted 40 acres with a barn and a view. Every mortgage broker sent me to rural residential. Acreage understood the agricultural use exemption and structured a loan that keeps our taxes where they should be.”
“FSA had us in their direct loan program but the rate was 50 basis points above what Acreage offered through the guaranteed program. They knew the difference — and they knew how to make the numbers work.”
Current ag rates —
no broker, no bait-and-switch.
Rates are posted weekly, tied to the 10-year CMT. What you see here is what we quote. We don't advertise a teaser rate and adjust at closing.
Rates are live — enter your email to unlock full rate sheet and weekly updates.
Rates effective week of Feb 24, 2026. Based on 10-year CMT plus program spread. All rates subject to property appraisal, borrower creditworthiness, and program availability. FSA rates set by USDA and may differ. Not a commitment to lend.
We give away the knowledge
before we ask for the call.
Every tool here is genuinely useful, even if you never borrow from us. That's how we earn the conversation.
Land Buyer's Worksheet
FSA loan eligibility checklist, soil productivity index explainer, debt-to-asset ratio calculator, and a county-by-county appraisal guide. Everything a first-time buyer needs before the first phone call.
Planting-to-Payment Calendar
Map your operation's cash flow cycle to your payment schedule. Corn, winter wheat, cow-calf, and alfalfa templates. Shows exactly when income arrives relative to principal and interest due dates.
County Appraisal Guide
Per-county land value ranges, soil class breakdowns, and appraisal methodology notes for 14 agricultural states. Understand what your ground is worth before you sit across from a lender.
FSA Eligibility Checklist
Beginning farmer and socially disadvantaged applicant checklists for FSA direct and guaranteed loan programs. Know before you apply whether you qualify — and which program fits your situation.
The Land Buyer's Worksheet
A fillable PDF that walks first-time buyers through FSA loan eligibility, soil productivity indexes, and debt-to-asset ratios. The same worksheet our loan officers use on the first call — yours, free.
No email required. No strings.