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.

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%
Loan Terms
6 months to 36 months
Origination Fees
2% to 3.5%
Lien Position
1st, 2nd
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

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Multifamily: 65%
Max LTP Commercial: 65%
Max LTP Land: 65%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Multifamily: 65%
Max CLTV 2nd Lien Multifamily: 55%
Max LTV 1st Lien Commercial: 65%
Max CLTV 2nd Lien Commercial: 55%
Max LTV 1st Lien Land: 65%
Max CLTV 2nd Lien Land: 55%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Multifamily: 65%
Max CLTV 2nd Lien Multifamily: 55%
Max LTV 1st Lien Commercial: 65%
Max CLTV 2nd Lien Commercial: 55%
Max LTV 1st Lien Land: 65%
Max CLTV 2nd Lien Land: 55%

Property Types

  • 2-4 Units Residential
  • Agricultural
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Industrial
  • Multifamily
  • Office
  • Ranch
  • Retail
  • Storage Facility

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out

Junior Lien Loan Amounts

$50,000 to $1,000,000

Junior Lien Interest Rates

9.5% to 12%

Junior Lien Loan-to-Value

55%

Junior Lien Origination Fees

2% to 4%

We Fund Junior Position Loans

Rarely

Agribusiness Types

  • Cattle Ranch
  • Citrus Grove
  • Corn
  • Cotton
  • Melons
  • Peach
  • Potatoes
  • Row Crops
  • Tree Nuts
  • Vegetables

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Agricultural Land

Will Consider Land That is NOT Entitled

yes

Max LTV for Land

65%

Max LTC for Land Acquisition

0%

Max Loan-to-Purchase Price

65%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Family

Fees which are mandatory for all new borrower clients

  • Underwriting Fee
  • Legal Fee
  • Escrow Fee
  • Title Fee

Fees which are paid to a third party company

  • Escrow Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)

20

Fastest Closing Time (Days)

10

Payment Structure
  • Interest Only
  • Amortized
Pre Payment Penalty

no

Will lend to a foreign national

no

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

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

yes

Minimum Credit Score Required

500

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Additional Details

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

Get In Touch

Agri Capital Inc. pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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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.

 

License

CA DRE Broker Lic. 01925701

Company Size (Number of Employees)

2

Year Established

2011

Office Locations

Agri Capital Inc.
23400 Rd 24 , Chowchilla, CA 93610

Primary Capital Source
  • Own Funds
  • Bank Credit Line
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

99%

Total Number of Loans Funded to Date

50

Total Loan Volume Funded to Date

$50,000,000

Our Team

Brian Maxwell

Officer

CADRE - 01983051

Get In Touch

Agri Capital Inc. pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

What We Do

  • 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

Not Available

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

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