Fast and Flexible

Farm Land Investment


farm-land-loan-diamondLoans up to $3 million

land-loan-diamondCredit decisions in as little as 1 day

land-loan-diamondFor land with highest/best use for agriculture

land-loan-diamond35% down and 720 credit score requirements

average response time < 10 min

Whether you farm, ranch or invest


land loan financing up to $3 millionLoans up to $3 million credit decisionsCredit decisions in as little as 1 day
flexible termsFlexible terms reduced documentationReduced documentation

land loan financing up to $3 millionLoans up to $3 million

land loan financing credit decisionsCredit decisions in as little as 1 day

land loan financing flexible termsFlexible terms

land loan financing reduced documentationReduced documentation

*All loans are subject to credit approval.
  • Minimum credit score of 720
  • Maximum loan to value of 65% for total combined:
    • Bare land
    • Permanent plantings and irrigation
    • Dwellings up to $750,000
    • Improvements, not to exceed 25% of total appraised value
  • Loan size between $75,000 and $3 million
  • Minimum of 100 acres
  • Highest and best use agricultural land-4

The Acres Bank team strives to help farmers, ranchers, and ag investors achieve their financial goals. Your dedicated point of contact will work with you to understand your needs, identify your goals, and create a customized solution. Get pre-qualified in 3 easy steps:

Online verification
Get started by answering a few verification questions. Verified borrowers will get access to our online loan request form. This is not a credit pull and does not effect your score.
Speak with us
After reviewing your loan request form, we’ll call you to finalize your pre-qualification. Average response time is less than 10 minutes (Monday – Saturday, 8am – 8pm).
Get pre-qualified
When you’re ready, we’ll work with you to gather any additional information we need to check your qualification status. Most borrower’s pre-qualifications take 15 minutes or less over the phone.
Why Acres Bank?
Acres Bank is a division of Heritage Bank NA. Our roots are in agriculture. Our founder, Earl Geiger, the son of a farm extension agent got his start farming in the 1930s. When Congress chartered Farmer Mac, in the aftermath of the 1980s Farm Crisis, Heritage Bank was one of the first banks to join the program, providing long-term farm real estate loans to stabilize America’s agricultural economy.