Agricultural, Ranch, Poultry, & Farm Loans
Cannabis Loans Too!
Need to close fast? Did your bank let you down?
- LTV's Up To 90%
- Interest Only Options
- Loan Terms Up To 30 Years
- No / Low Prepayment Penalty
- Potential For Non-Recourse Loans
- Lowest Rate Available
Agricultural Loans - Ranch Loans -Farm Loans
UFIG offers loans to help farmers and ranchers get the financing they need to start, expand or maintain a family farm
- Adjustable rates: 1 month, 1 year, 3 year, 5 year, 7 year, 10 year, and 15 year
- Amortization: Up to 30 years
- Prepayment options: No prepayment penalty on most loans
- Fixed rates: 10 year, 15 year, 20 year, 25 year and 30 year
- Payment frequency: Monthly, semiannual or annual
- Conversion option: Many loan products allow convertibility between loan products during the mortgage term
UFIG has options to fit your individual needs with a variety of flexible loan programs and loan application processes. Our staff will work with you to find the best loan program that fits your needs.
Fully Underwritten Loans
UFIG offers fully underwritten loan programs using a more conventional loan application and documentation process.
Key Loan Qualifications
Loan-to-value: Up to 90% maximum
Loan amount: $100,000,000 maximum
Credit score: Acceptable credit history and a minimum credit score of 600
Debt-to-asset ratio: 50% maximum
Current debt-to-asset ratio: 1.25:1 minimum
Debt coverage ratio: 1.25:1 minimum
Fast-Track Loans
The Fast-Track Loan Program is a streamlined loan application process that provides loan approval with minimum loan documentation.
Key Loan Qualifications
Loan-to-value: 55% maximum
Loan amount: $3,000,000 maximum
Credit score: Acceptable credit history and a minimum credit score of 720
Debt-to-asset ratio: 40% maximum
Current debt-to-asset Ratio: 1:1 minimum
Debt coverage ratio: 1:1 minimum
Have a question or not sure how to structure your financing needs ? Give us a call or email your questions
Hobby Farm/Lifestyle Ranch Loan
The Lifestyle Ranch Loan Program is an alternative loan product option for an individual wage earner financing a minimum of 60 acres for recreational or hobby farm use. With this product, underwriting is based on regular non-farm income and includes monthly payments.
Eligible Loan Qualifications
Maximum loan size: $3,000,000
Loan-to-value: Up to 70% (60% in 9 designated Midwestern states)
Debt-to-asset ratio: 55%
Current debt-to-asset-ratio: 1:1
Minimum annual debt obligations: 39% (calculated total annual P&I/gross income)*
Credit score: Acceptable credit history and a minimum credit score of 700
Purpose: Purchase or refinance; cash-out not allowed
Other: Dwelling and any other improvements must not exceed 25% of total value
Agricultural, Ranch, Poultry, & Farm Loans Features
- LTV's up to 90%
- Flexible, Up To 30 year Amortization
- Interest Only Options
- Potential for non-recourse loans
- Low Fixed Rates
- Low/no prepay penalties
- Development & permanent loan financing
- Potential for assumable financing
- Less than perfect credit accepted
- Low closing costs
1998
Established
74K+
Clients Served
$14B+
Loans Originated
Flexible Financing provided for most farming and livestock operations includes:
- Small & Large Farm Loans
- Ranches and Livestock Operations
- Dairy
- Orchards
- Hobby Farms & Ranches
- Vineyards
- Coffee & Tobacco
- Fruit and Nut Groves
- Feed & Storage Buildings
- Equestrian Operations
- Equipment Financing
- Ground Leases
- Poultry Housing
- Timber & Pasture Operations
- And more.....
About UFIG
We are a multi-strategy real estate finance company that originates, finances, and services small to medium-sized balance commercial loans from $500K to $100M. We specialize in loans backed by commercial real estate, including agency multifamily, agricultural, investor loans, private money, and bridge loans as well as SBA 7(a), SBA 504, and USDA B&I business loans.
We offer some of the industry’s best rates, services, and loan options available. If you think your situation is unique, we most likely have dealt with it before. We offer one on one customer service where your entire transaction is handled by one loan officer. You will not get passed around from department to department or person to person in getting the results you expect.
What Sets Us Apart
Creative Lending Programs
No matter how unique you feel your loan request is, we have probably dealt with a similar situation in the past. Aside from our Correspondent Lending Channel, UFIG has working relationships with hundreds of retail and wholesale lenders with international presence. If your loan request is financeable, we will get it closed and funded quickly.
Lower Rates
In a highly competitive marketplace, UFIG can offer some of the lowest market rates available for your customized financing needs. We understand each deal is unique and we take the time to fully understand your financing goals and price each loan request independently. Contact one of our experienced loan officers today so we can provide the details you need to make an informed decision. We are happy to provide you with a free loan analysis and pricing quote for all your financing needs.
Consistent Availability
Unlike most banks, it doesn’t take days to get in touch with one of our loan officers. Reach a qualified loan officer immediately during our normal hours of operation. Monday – Friday, 9:00AM to 5:30PM. We also offer and encourage after-hours and weekend appointments. We pride ourselves in returning clients calls within 10 minutes during normal business hours.
Quick Closings
We streamline the loan process and can close conventional type loans in 30 days. If you are in the market for a Bridge Loan or Hard Money Loan we can close in as little as 7 business days. Speak with one of our experienced loan officers today so we can address your closing timeline.
Begin Your Application Online
While we are more than happy to take your phone calls and answer questions, we can assure you that a qualified loan officer will contact you directly by completing the short form below.
Simply fill out the from below, and we will match your response to a qualified loan officer.
