United Ag Lending

Name

United Ag Lending

Legal name

United Ag Lending

Website

https://unitedaglending.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Wholesale Agricultural Lending

NAICS

Sales Financing (52222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

SME Commercial Real Estate (CRE) Lending (FSABABAG), Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Agricultural lending
• Wholesale mortgage
• Rural farm loans
• Ranch financing
• Agricultural real estate

Headquarters

HQ city

Overland Park

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Agricultural Loan Origination and Servicing: United Ag Lending generates revenue through originating and servicing agricultural real estate loans. As a wholesale lender, the company provides loan products to mortgage brokers, lenders, and banks who then distribute to end borrowers. Revenue is generated from interest income on the loan portfolio. The company offers various loan programs including commercial farm loans, hobby farm loans, rural residential loans, cattle ranch loans, equestrian loans, and recreational land loans with terms ranging from 10 to 30 years fixed-rate and adjustable rate options.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

United Ag Lending is a non-bank wholesale agricultural mortgage lender that originates and services agricultural real estate loan programs for mortgage brokers, lenders, and banks. It offers a portfolio of specialized loan products covering commercial farms, cattle ranches, hobby farms, equestrian properties, groves/orchards/vineyards, recreational land, rural manufactured homes, rural residential, and farm loan refinancing, with loan amounts from $500,000 to $100 million and terms of 10–30 years. Partners access the products through a dedicated partner portal (Encompass) and an online loan qualification tool.

Product overview

United Ag Lending is a full-service agricultural wholesale lender offering specialized loan programs for brokers, banks, and mortgage lenders. The company provides a comprehensive portfolio of loan products including Cattle Ranch Loans, Commercial Farm Loans, Equestrian Loans, Farm & Ranch Loans, Grove/Orchard/Vineyard Loans, Hobby Farm Loans, Recreational Land Loans, Rural Manufactured Homes Loans, Farm Loan Refinancing, and Rural Residential Loans. The company also offers an online Loan Tool for property qualification and pre-qualification. These programs are designed to serve agribusiness landowners, hobby farmers, and those seeking recreational or rural residential properties, with loan amounts ranging from $500,000 to over $100 million and terms up to 30 years fixed-rate.

Differentiator

Problem solved

Functional benefit

Products and services

• Cattle Ranch Loans

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Farmer Mac: Federal Agricultural Mortgage Corporation providing secondary market for ag real estate loans — competes indirectly with United Ag by purchasing loans from primary agricultural lenders, including many of the same brokers United Ag works with.
• Farm Bureau Bank: Bank affiliated with Farm Bureau federation offering farm real estate loans, equipment financing, and rural mortgages — provides overlapping ag lending products to a similar rural borrower base.
• Farm Credit Services of America: Part of the Farm Credit System, one of the largest agricultural lenders in the U.S., offering farm real estate loans, operating loans, and rural infrastructure financing — directly competes with United Ag Lending in the commercial ag space but with GSE-equivalent funding advantages.
• Rabo AgriFinance: U.S. subsidiary of Dutch Rabobank, one of the largest non-bank ag lenders globally — provides farm real estate loans, operating lines, and equipment financing with deep agricultural expertise, competing for the same commercial farm customer.

Emerging players

• Stearns Bank: Minnesota-based bank with a specialized ag and commercial real estate lending division — provides rural property and farm loans through a partner-driven model that overlaps with United Ag's wholesale approach.

Direct peers

• Conterra Asset Management: Specialized agricultural lender focused on ranch, farm, and rural property loans — operates in a similar niche to United Ag Lending with comparable non-bank structure and direct-to-borrower/partner model.
• Live Oak Bank: Specialty small business and ag lender focused on farm, ranch, and rural property loans — operates as a non-bank/ag-bank hybrid with similar product breadth to United Ag Lending, including hobby farm and commercial farm financing.
• AgAmerica Lending: Specialized non-bank agricultural lender offering farm and ranch loans, land refinancing, and operating lines — closely comparable to United Ag Lending in product focus, target borrower, and non-bank wholesale model.

Regional players

• AgFirst Farm Credit Bank: Farm Credit System bank serving agricultural lending associations across the Eastern U.S. — offers farm real estate loans and operating credit through member associations, competing for similar commercial ag borrowers in the Southeast and Mid-Atlantic.
• Capital Farm Credit: Texas-based Farm Credit System association offering real estate, operating, and equipment loans to rural borrowers — comparable in product menu to United Ag but limited to a specific regional footprint.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/UnitedAgLending
• LinkedInlinkedin.com/company/united-ag-lending

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about United Ag Lending