AGRICULTURAL · ALL 50 STATES

Agricultural & Farm Loans Nationwide

Farm, ranch, hobby-farm, and equine facility financing nationwide—generally from about $500,000. Texas-based Expo Lending. Subject to underwriting.

Financing acreage or a farm operation?

Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973) · Expo Lending LLC · NMLS #2619446
Share acreage, use, and loan purpose.

Call (877) 732-4464 Text (713) 885-3944 Contact form

Agricultural and rural real estate financing can cover working farms and ranches, agribusiness facilities, equestrian operations, and lifestyle acreage. Expo Lending assists with qualifying agricultural requests in all 50 states. Loan sizes generally start around $500,000, subject to underwriting.

Program Families Often Compared

Farm real estate mortgages Long-term financing secured by farm/ranch land and improvements—fixed or adjustable structures with terms that can extend many years (commonly up to about 10–30 years depending on channel). Subject to underwriting.
USDA B&I Government-guaranteed options for eligible rural businesses and agribusiness—see USDA B&I loans.
SBA 7(a) / 504 Owner-user farm and agribusiness real estate where SBA eligibility fits—see SBA loans.
Agricultural bridge Short-term capital for auction timing or takeout delays—see bridge loans.

Hobby Farms & Lifestyle Ranches

Homes with acreage that earn little farm income are often underwritten on the owner’s non-farm income. Typical published parameters in this niche include roughly 5+ acres, loan amounts from about $500,000 to $3,000,000, credit often around 700+, and leverage commonly up to about 70% LTV, with terms that may run up to about 30 years— all subject to underwriting.

Horse Farms & Equine Facilities

Boarding, training, breeding, show/event, equine veterinary/rehab, and horse ranch properties may be financed when income and/or sponsorship support the request—via agricultural, SBA, or bridge channels as appropriate. Generally from about $500,000.

What Lenders Usually Review

  • Multi-year tax returns and financials for the operation and owners
  • Production history, leases, water/fencing/improvements context
  • Appraisal oriented to agricultural use (not a pure residential form)
  • For lifestyle acreage: personal income, credit, liquidity, and acreage minimums

Note: Annual crop/input operating loans and certain direct farm-service products are outside the commercial mortgage focus of these pages. Ask if your need is real-estate secured vs. seasonal operating credit.

Related pages

Agricultural Loan FAQs

What is the minimum agricultural loan size?

Agricultural and lifestyle-ranch style programs we work with generally start around $500,000—subject to underwriting.

Can I finance a hobby farm that does not cash-flow?

Often yes when underwritten on non-farm income, with acreage, credit, and LTV guidelines that differ from working-farm loans—subject to underwriting.

Do you cover equine facilities?

Commercial horse properties and many equine facilities may be considered when the operation and sponsorship support the loan—subject to underwriting.

Available nationwide?

Yes. Expo Lending is Texas-based with nationwide agricultural reach, subject to underwriting.

Review an agricultural scenario

Mon–Fri 9 AM–6 PM Central · Nationwide business-purpose lending

Call (877) 732-4464 Text (713) 885-3944

Equal Housing Opportunity. Expo Lending LLC, NMLS #2619446. Aiden Fahimi, Broker | Mortgage Advisor, NMLS #1943973. 1000 Main St, Suite 2300 PMB 1161, Houston, TX 77002. Office (877) 732-4464 · Direct/Text (713) 885-3944. Commercial and business-purpose loan programs, guidelines, amounts, and availability vary by state and underwriting. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org.