Potentially eligible
- Row-crop farms and agricultural acreage
- Orchards and permanent plantings
- Vineyards
- Grazing and pasture land
- Income-producing agricultural land with acreage
- Large-acreage properties with supportable as-is appraisals
For California agricultural investors, business owners & mortgage brokers
California Agricultural Land Loans
ALG Agricultural Land Advantage™ helps investors and brokers explore private-money and alternative financing for farms, orchards, vineyards, grazing land and eligible income-producing acreage in California.
Water and crops matter. A seller's deadline, questions about irrigation rights or crop history, and uncertainty over today's as-is land value can stall an otherwise promising transaction. Accelerated Lending Group helps evaluate these issues early and arranges potential financing through participating lending partners.
California OnlyBusiness PurposeWater + Crop ReviewAs-Is Appraisal
ALG is an arranger, not the direct funding lender for this program. All scenarios are reviewed case by case; not for consumer-purpose transactions.
The agricultural financing gap
When water, crop documentation and bank timelines complicate a land transaction
A California agricultural land loan should be evaluated around the property that exists today—not an unsupported future development scenario.
| Where deals stall | What the borrower needs | How ALG helps structure the review |
|---|---|---|
| Water questions emerge late | Water-source clarity before the deadline | Request well, district or water-rights information up front |
| Crop history arrives after weeks of review | Clear expectations for production records | Identify two years of production reports and current/future planting details |
| Bank timelines conflict with seller deadlines | Prompt, realistic feedback | Provide participating lenders with a complete scenario snapshot |
| Value or access is uncertain | A supportable collateral assessment | Review as-is appraisal, acreage, access, marketability and exit plan |
Property eligibility
Agricultural property types we can review
Not eligible under the supplied program
- Speculative development or development-only sites
- Properties containing known environmental hazards
- Properties adjacent to environmental hazards, as described in the source program
- Sites without supportable value, access, water or marketability
No stated maximum acreage: The supplied program does not impose a maximum acreage, but acreage does not override appraisal, water, crop, environmental and underwriting requirements. Properties with environmental concerns require particular scrutiny and may be declined.
Transaction types
California agricultural land purchase, refinance and cash-out options
Agricultural land purchase
Up to 50% LTV • Advertised $100,000–$2,000,000 loan range.
Seller contributions, gift funds and gift of equity may be considered, with applicable LTV adjustments and lender approval.
Rate-and-term refinance
Up to 50% LTV • Advertised $100,000–$2,000,000 loan range.
Evaluate current debt, acceptable as-is land value, crop/water fundamentals and a documented repayment strategy.
Business-purpose cash-out
Up to 50% LTV • Advertised $100,000–$2,000,000 loan range.
Funds must be used for eligible business purposes. Personal, family or household use is not permitted under this program.
These LTV and amount figures are from the supplied source and are illustrative only; current availability and final terms must be confirmed by the participating lender.
Collateral fundamentals
Water availability, crop production and as-is value drive agricultural land underwriting
Participating lenders may focus on the property’s existing agricultural use, current water source, crop history and supportable value rather than assuming future development potential.
Water source & irrigation
- Identify the current source: well, irrigation district, rights or another supply
- Provide available water-rights, well or district documentation
- Describe irrigation systems and reliability where known
- Disclose water availability limitations and relevant property conditions
Crop history & planting plan
- Two most recent years of crop production reports
- Current crops being grown, by acre
- Future planned crops, by acre
- Initial planting year for permanent crops
- Available income, yield or agricultural operating records as requested
As-is appraisal: The source program requires valuation through an approved lender vendor; transferred appraisals may be considered case by case. Access, property condition, marketability, crop and water information, and exit strategy are also reviewed.
Illustrative financing structures
Potential agricultural land loan terms
| Advertised term | Potential structure | Consideration |
|---|---|---|
| 18 months | Interest-only; source lists no impounds | Confirm current impound and payment requirements |
| 2 years | Interest-only | Principal remains outstanding |
| 3 years | Interest-only | Repayment or refinance plan required |
| 30-year amortization | Fixed rate, due in 5 years | Balloon balance payable at maturity |
Availability, rate, fees, prepayment provisions, impounds and balloon terms depend on the lender. Refinancing or selling before maturity is not guaranteed.
Cross-collateralized agricultural portfolios
For eligible investors, a participating lender may consider one loan secured by multiple properties, using blended collateral equity. Cross-collateralization also increases risk: each pledged property secures the loan, and releasing or selling one property may require lender consent and repayment.
Program flexibility
Potential options for complex California agricultural financing scenarios
Borrower considerations
- No fixed minimum FICO advertised; case-by-case
- As little as zero months reserves advertised; case-by-case
- No seasoning of funds advertised; case-by-case
- Self-employed and complex-income applicants reviewed
- LLC and corporation vesting considered
- ITIN borrowers considered individually
Property and transaction considerations
- Business-purpose owner-user or investor transactions
- Purchase, rate-and-term and cash-out
- Bridge-to-sale or bridge-to-refinance strategies
- Agricultural portfolio collateral reviewed case by case
- Access, water and crop information required
- No approval without acceptable property and risk review
Advertised flexibility is not a waiver of underwriting, credit, reserve, documentation or applicable legal requirements. Participating lenders make final decisions.
Submission preparation
Agricultural land loan broker submission checklist
A clean scenario helps identify water, crop, access and collateral questions before a full lender submission.
Borrower & transaction
- Completed 1003 in MISMO 3.4 format when requested
- Complete credit report dated within 60 days
- Valid government-issued identification
- Social Security or ITIN documentation, as applicable
- Requested amount, transaction purpose, timeline and exit strategy
- Business-purpose cash-out explanation; wet-signed LOE if lender requires
- EIN, organizational and authorized-signer documents for entities
Property & agricultural records
- Property address and assessor parcel number (APN)
- Total acreage, zoning, access and existing use
- Current water source, irrigation details and available rights records
- Two most recent years of crop production reports
- Current and future crops by acre; planting dates for permanent crops
- Executed purchase contract, if applicable
- Insurance information and current mortgage statement for refinances
- Appraisal through an acceptable vendor; property list if cross-collateralized
Secure file delivery: Borrower identification, credit reports and sensitive financial information should be submitted through an approved secure process, not unsecured email.
Downloadable broker resources
Agricultural land loan Toolbox
The attached program references a Statement of Information form. These are the existing ALG-hosted PDFs.
Statement of Information — English
Title and escrow information form.
Statement of Information — Spanish
Formulario de información para título y depósito en garantía.
Indicative service targets
Initial review and agricultural land loan closing expectations
The supplied program lists the following targets. They are not guaranteed underwriting or closing times.
| Stage | Previously advertised target |
|---|---|
| New purchase file | 1–2 business days |
| New refinance file | 1–2 business days |
| Condition review | 1–2 business days |
| CTC / MLDS issuance | 1 business day |
| Loan documents | Schedule at least 1–2 business days after signed CTC MLDS |
Appraisal, water rights, crop production documentation, environmental review, title, insurance and lender conditions may affect timing.
From scenario to closing
How ALG Agricultural Land Advantage™ works
1. Share the agricultural property snapshot
Provide APN, acreage, location, current water source, crop plan, approximate as-is value, loan request and deadline.
2. Review the business-purpose strategy
ALG reviews transaction fit and discusses available structures with participating lending partners.
3. Complete appraisal and underwriting
The lender evaluates as-is value, water and crop documentation, access, marketability, borrower and collateral risk.
4. Satisfy conditions and close
Final approval, documents and funding are determined by the participating lender and closing parties.
California statewide
Agricultural land financing in Bakersfield, Kern County and across California
Accelerated Lending Group helps evaluate eligible agricultural properties throughout California, including the Central Valley, Kern County, Tulare County, Fresno County, Sacramento Valley and other agricultural markets. Each property’s local water conditions, land use, access and appraisal remain central to eligibility.
For other real estate scenarios, explore vacant land loans, commercial and industrial financing, ALG Multifamily Advantage™, eligible property types or broker partnerships.
Common questions
California agricultural land loan FAQs
What is ALG Agricultural Land Advantage™?
ALG Agricultural Land Advantage™ is a branded, ALG-arranged financing solution for eligible California agricultural land and business-purpose transactions. Participating lending partners make underwriting and funding decisions.
What drives approval for an agricultural land loan?
The current water source, crop type and production history, supportable as-is appraised value, legal and physical access, property marketability, borrower risk and a credible repayment or exit strategy are important review factors.
What water information is required?
Provide the current water source, such as a well, irrigation district or water rights, together with available evidence of reliability, capacity and irrigation arrangements. Additional supporting documents may be requested.
What crop information should I submit?
The source program requests the two most recent years of crop production reports, current crops by acre, planned future crops by acre, and the original planting year for permanent crops.
What agricultural properties may qualify?
Row-crop land, orchards, vineyards, grazing land and income-producing acreage may be considered case by case. The lender must accept the appraisal, water/crop profile, access, marketability and overall risk.
Are development sites or environmentally affected properties eligible?
The supplied program excludes speculative development sites and properties with or adjacent to environmental hazards. Environmental concerns may require further review and can result in ineligibility.
Is there a maximum acreage?
The supplied program states no maximum acreage limitation, but requires a supportable as-is appraisal. Acreage alone does not establish eligibility.
What are the advertised loan amounts and LTV limits?
The supplied program advertises $100,000–$2,000,000 loan amounts and up to 50% loan-to-value for purchases, rate-and-term refinances and business-purpose cash-out refinances. These are illustrative and must be verified with participating lenders.
Can I qualify with an LLC, corporation or ITIN?
LLC or corporate ownership and ITIN borrowers may be considered by certain participating lenders, subject to documentation and case-by-case underwriting.
Are interest-only loans available?
The supplied program lists 18-month, two-year and three-year interest-only options, plus a 30-year amortization structure due in five years. Availability varies; interest-only principal remains outstanding and balloon balances are due at maturity.
Can multiple agricultural properties secure one loan?
Some lenders may consider cross-collateralization. This can consolidate financing but exposes each pledged property to the obligations of the shared loan and may restrict property releases.
Can I use cash-out proceeds for personal expenses?
No. The business-purpose cash-out option described here requires permitted business use of proceeds, not personal, family or household expenses.
Does ALG directly lend the money?
ALG arranges potential financing through participating lending partners. The applicable lender decides underwriting, approval, loan terms and funding.
Are these loans available outside California?
No. The program described here is marketed for eligible California agricultural properties only.
How quickly can a loan close?
The supplied program lists initial underwriting and condition review targets of one to two business days. Those are not guaranteed approval or closing times; appraisal, title, water/crop documentation and lender requirements can extend the timeline.
Important financing disclosures
Business-purpose agricultural financing disclosures
ALG Agricultural Land Advantage™ is an ALG-arranged financing solution. Accelerated Lending Group works with participating lending partners; it is not represented as the direct funding lender for these transactions.
California only. For eligible business-purpose agricultural transactions, not personal, family or household use. All financing is subject to lender underwriting, appraisal, current water source and crop review, environmental considerations, access, property marketability, quality and condition, borrower eligibility, title, insurance and applicable laws. Rates, fees, loan amounts, LTVs, terms, availability and timing may change without notice. Nothing on this page is a commitment to lend.
Interest-only loans do not amortize principal during the interest-only period. Balloon loans require repayment of the remaining balance at maturity; a future refinance or sale is not guaranteed.