Agri Capital Inc.

Agri Capital Inc. is a private lender based in Chowchilla, CA, specializing in bridge loans for agricultural and commercial properties in Central and Northern California. They offer loans from $50,000 to $4 million, with a focus on farmland real estate, maintaining conservative loan-to-value ratios.

Bridge Loans for California Agricultural Property

Agri Capital provides access to capital secured by agricultural and ag land in Central and Northern California, based primarily on Loan-to-Value. Unlike most hard money lenders, Agri Capital has unique expertise in farmland real estate. Our experience with Ag helps us better serve California farmers through our lending options.

Lending on Farmland & vacant land suitable for crops
- Central Valley, Bakersfield, Fresno, Greater Sacramento
Bridge Loans only – purchase, refinance, equity cash out
1st and 2nd mortgages
No Junk Fees – just points points plus underwriting and attorney’s fees
Conservative LTV: Up to 65% for 1st mortgages, up to 55% CLTV for 2nd’s
Appraisal or BPO not required in most cases
Also lending on non-ag commercial properties in the Central Valley counties
- Madera, Merced, Stanislaus, San Joaquin Counties

Please Note: We do NOT offer loans for cannabis farms, residential properties, or ground-up construction projects.

Common Loan Scenarios

Lending Central & Northern California
Loans for Agricultural Real Estate
Loans for Vacant Ag Land
1st Mortgage up to 65% LTV
2nd Mortgages up to 55% CLTV

Scenarios Not Considered

NO Residential Properties
NO Cannabis-Use Properties
NO High Leverage Over 65% LTV
NO Ground-Up Construction Loans

Details and Requirements

Property Geographic Area Details

California's Central Valley, Fresno, Madera, Visalia, Bakersfield, Merced, Hanford, Selma, Sacramento, Yuba City.

Loan Amounts

$50,000 to $4,000,000

Interest Rates

8.5% to 12%

Origination Fees

2% to 3.5%

Loan Terms

6 to 36 months

Lien Position

1st, 2nd

Credit Check Required

yes

Minimum Credit Score Required

500

Prepayment Penalty

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Amortized

Personal Guaranty (Recourse) Required

Sometimes

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation

Documentation Required

Credit Report
Tax Returns
Loan Application

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

Collateral Types

Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Invest in a Business
Business Working Capital
Value Add Project
Development Project

Property Occupancy

Vacant
Tenant Occupied 100%
Owner Occupied Commercial

Additional Details

Initial Underwriting Requirements: Loan Application, Credit Check, Income Verification, Appraisal or BPO (Sometimes)

Agri Capital Inc.’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

12mo Loan Count

Total Loan Volume

$43,566,460

Average Loan Size

$792,117

Loan Count by State (Past 12 Months)

CA: 53, AR: 2

Data provided by

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Whether your property is farmland, vacant land, multi-family, office or industrial, Agri Capital can provide access to capital based primarily on Loan-to-Value. Unlike most hard money lenders Agri Capital has unique expertise in farmland real estate. Our experience with Ag helps us better serve California farmers through our lending options.

Office Locations

Agri Capital Inc.

23400 Rd 24 , Chowchilla, CA 93610

Connect with Agri Capital Inc.:

Our Team

Brian Maxwell

Officer

CADRE - 01983051

Our minimum loan amount is $50,000

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