Can I get a farm loan without tax returns?
Yes. Turnrow lends up to $1.5M on agricultural land with no tax returns, W-2s, K-1s, P&Ls, or farm financials — ever. Qualification runs on the land itself (up to 70% LTV of appraised value) and a 680+ credit score for at least one guarantor, checked with a soft pull.
Traditional ag lenders underwrite the operator: three years of Schedule F returns, balance sheets, projected cash flow. That model punishes exactly the borrowers who run their operations well — heavy depreciation, Section 179 write-offs, and reinvestment make a profitable farm look unprofitable on paper. Asset-based lending flips it: the collateral carries the file, not the tax return.
What replaces the paperwork is a real appraisal and a real title search. If the land supports the loan at 70% LTV or below and a guarantor clears 680, the deal works. There is no income calculation, no debt-to-income ratio, and no request for farm production records.
The trade-off is honest: rates sit above subsidized farm credit and below hard money, and terms run 12 to 36 months rather than 20 years. For a purchase deadline, a 1031 exchange, or a cash-out that a bank would take four months to study, that trade usually pays for itself.
The Turnrow angle
Turnrow was built specifically for this file. The application takes about 5 minutes, and a written term sheet follows in 24–48 hours — no document checklist attached.
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