AgAmerica Lending

What AgAmerica Lending does

AgAmerica Lending LLC is a privately held, Lakeland, Florida-based agricultural land lender founded in 2009 that originates and services loans secured by farmland and rural real estate across all 50 U.S. states. The company targets farmers, ranchers, and rural landowners with purchase financing, refinancing, interest-only structures, and revolving lines of credit ranging from $50,000 to over $5 million, at LTV up to 75% and terms up to 30 years. Its core technology consists of an in-house Probability of Default rating system and a streamlined digital application pipeline (the Accelerate Program, with approvals as fast as 48 hours), complemented by a proprietary Financial Health Calculator and Farm Loan Calculator used as lead-generation and borrower-education tools.

The company's loan portfolio is the principal revenue source, generating interest income through variable-rate, fixed-rate, and interest-only loan products. AgAmerica supplements that interest spread with advisory fee revenue from estate planning, tax planning, succession planning, and a Private Client Group offering delivered through partnerships with a national wealth advisory firm and tax specialists. Distribution combines a nationwide field sales team, an inside sales group handling inbound inquiries, a referral partner network of brokers and financial institutions, and direct self-serve applications submitted via the website.

AgAmerica distributes its origination into institutional capital channels through its Central Servicer relationship with Farmer Mac and operates the loan servicing portal through a Regions Bank-affiliate payment infrastructure. The company originated as a spinoff from Brian Philpot's Land South Group (founded in the late 1990s) and is led by Co-Presidents Dan Kashdin and Courtney Eelman, with an advisory board chaired by former Florida Governor Jeb Bush and including former USDA Secretary Mike Johanns. The platform is positioned as the first agricultural mortgage REIT in the United States, channeling institutional capital into rural land markets.

Name

AgAmerica Lending

Legal name

AgAmerica Lending LLC

Website

https://agamerica.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Agricultural Real Estate Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industries

CRE Loan Syndication & Participation (FSALADAK), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Succession, Governance & Ownership Transition Advisory (AFACAJAO)

Keywords

• Agricultural land loans
• Farm real estate financing
• Farmland refinancing
• Agricultural mortgage lending
• Rural land financing

Headquarters

HQ city

Lakeland

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Agricultural Land Loan Interest: AgAmerica generates revenue primarily through interest income on agricultural real estate loans. The company offers variable-rate, fixed-rate, and interest-only loan products with terms up to 30 years, secured by farmland collateral. Loan amounts range from $50,000 to over $5 million with LTV up to 75%.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels13 records

Core offering

AgAmerica Lending provides customized agricultural real estate loans for the purchase, refinance, and operation of farmland, ranches, and timberland across all 50 U.S. states. Core products include 3- to 15-year ARM land loans, interest-only loans under the AgAmerica Pivot program, 10-year lines of credit, and the expedited Accelerate Land Loan Program offering approvals as fast as 48 hours for loans between $50,000 and $5 million. The company supplements its lending products with farm advisory services covering estate planning, tax planning, succession planning, and a dedicated Private Client Group for high-value borrowers.

Product overview

AgAmerica Lending operates as a full-service agricultural financial firm offering a unified platform of financing and advisory services for farmers, ranchers, and rural landowners. The core product suite includes Rural Land Financing with Land Loans, Interest-Only Loans under the AgAmerica Pivot™ Program, and 10-Year Lines of Credit, all supported by the Accelerate Land Loan Program for expedited approvals. These lending products are complemented by Farm Advisory Services including Estate Planning, Tax Planning, and a Private Client Group. The platform also provides Farm Data & Tools featuring a Financial Health Calculator and Farm Loan Calculator for operational planning. Together, these offerings form an integrated financial ecosystem supporting the complete farm lifecycle from land acquisition through succession planning.

Differentiator

Problem solved

Functional benefit

Brands

• AgAmerica Pivot™: Interest-only farm loan program designed to reduce loan payments and conserve working capital for farmers

Products and services

• Rural Land Financing Customized farm land loans for farmers, ranchers, and rural landowners with flexible terms, competitive rates, and tailored structures for agricultural real estate acquisition or expansion.
• Land Loans Financing for agricultural land acquisition or expansion with variable- and fixed-rate options, competitive rates, and up to 30-year terms, available in 3-, 5-, 10-, and 15-year ARM structures.
• AgAmerica Pivot Program (Interest-Only Loans) Interest-only farm loan program that lets producers redirect capital into operations by aligning payments with cash flow and seasonal cycles, reducing principal payments during critical growth phases.
• 10-Year Line of Credit All-purpose farm operating line of credit secured by real estate, featuring no mandatory paydowns, unlimited cash withdrawals, and interest-only payments during the 10-year draw period.
• Accelerate Land Loan Program Expedited farm financing program with approvals as quick as 48 hours, reduced documentation requirements, loan amounts from $50,000 to $5,000,000, a 680+ credit score threshold, and no prepayment penalties.
• Refinance Land Loan Farm debt consolidation and refinancing solution that lowers payments, extends terms, and consolidates multiple debts into a single payment for agricultural operations.
• Loans for Buying Land Flexible financing solutions for purchasing farmland and expanding agricultural operations with tailored terms and fast capital access.
• Farm Advisory Services Comprehensive advisory services including estate planning, tax planning, and succession planning provided through partnerships with leading financial institutions and national wealth advisory firms.
• Estate Planning Agricultural-focused estate planning services that help landowners protect assets, establish succession plans, and preserve farm legacies for future generations.
• Tax Planning Services Tax planning and R&D tax credit optimization services for agricultural operations, including soil fertility deductions, R&D tax credits, and documentation of qualifying expenses for maximum savings.
• Private Client Group Premier dedicated financial service offering tailored to the unique financial needs and long-term aspirations of high-value agricultural clients.

Quantifiable outcome

• 48-hour loan approvals for eligible candidates through Accelerate Program
• +3 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered minor, core and supporting.

• Blue Otter (Polarized Sunglasses)minorGTM or Marketing PartnerAgAmerica partnered with Blue Otter to create the limited-edition #LikeAFarmer sunglasses collection. The partnership brings farmer-focused merchandise to the agricultural community with polarized performance eyewear designed for American farmers.
• National Wealth Advisory FirmcoreStrategic or Co-development PartnerAgAmerica partners with a national wealth advisory firm with deep understanding of risk management and asset protection to provide elite financial planning services to rural landowners. The firm specializes in estate planning, succession planning, and comprehensive financial services.
• Tax Planning ExpertscoreStrategic or Co-development PartnerAgAmerica works with tax experts well-versed in agricultural finance and tax strategies to help document qualifying expenses and achieve maximum savings for farmers. Services include R&D tax credits and soil fertility tax deduction strategies.
• Estate Planning Advisory FirmscoreStrategic or Co-development PartnerAgAmerica partners with leading advisory firms in the estate planning sector to create comprehensive farm succession plans. Services include legacy planning, tax reduction strategies, and business continuity planning for multigenerational farm transfers.
• Referral Partner NetworksupportingChannel Partner/ Reseller/ DistributorAgAmerica maintains a diverse network of industry partners including brokers, financial institutions, and other referral partners who benefit from attractive referral opportunities and incentive options for consistent referral partnerships.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Federal Agricultural Mortgage Corporation (Farmer Mac): Farmer Mac is the federally chartered agricultural mortgage GSE that AgAmerica partners with as a Central Servicer; both originate, purchase, and securitize farm real-estate loans, making Farmer Mac the closest functional comparator in agricultural real-estate credit intermediation.
• AgCountry Farm Credit Services: AgCountry is a Farm Credit System cooperative serving farmers across the Midwest and Northwest with real-estate loans, operating credit, and rural lending; comparable to AgAmerica in ag real-estate origination, underwriting, and customer base.
• Compeer Financial: Compeer is one of the largest Farm Credit System cooperatives serving farmers across the Midwest and beyond, offering agricultural real-estate and operating loans; it competes head-to-head with AgAmerica in farm real-estate financing and credit decisioning.
• American AgCredit: American AgCredit is a Farm Credit System association providing agricultural real-estate, operating, and rural lending across multiple states; it competes directly with AgAmerica for farmland purchase and refinance transactions in overlapping geographies.
• GreenStone Farm Credit Services: GreenStone is a Michigan-based Farm Credit System association offering real-estate and operating loans to farmers and rural property owners; it mirrors AgAmerica's customer segments (row crops, livestock, timber) and competes on ag real-estate terms.
• Farm Credit Mid-America: Farm Credit Mid-America is a large Farm Credit System association serving producers across Indiana, Ohio, Kentucky, and Tennessee with farm real-estate financing; directly comparable to AgAmerica's land-loan core product and customer segments.

Broad incumbents

• Live Oak Bank: Live Oak Bank is a digitally focused small-business bank with a dedicated agricultural lending vertical offering farm real-estate and operating loans nationwide; broader product portfolio than AgAmerica but overlapping agricultural real-estate lending targeting similar mid-market customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AgAmericaLending
• Instagraminstagram.com/agamerica
• Xx.com/agamerica

Revenue estimate

Valuation estimate

Number of profiles

Profiles22 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AgAmerica Lending