Rates & terms

Loan amounts

Up to $1,500,000

Max loan-to-value

70% of appraised value

Minimum credit score

680 (soft pull to qualify)

Documentation

None — no tax returns, no financials, no farm P&Ls

Property types

Vineyards, wineries, farms, ranches, orchards, raw ag land

Occupancy

Non-owner-occupied, business purpose only

Borrowers

Individuals, LLCs, trusts, partnerships

Terms

12–36 months, interest-only available

Amortization

Interest-only or 30-year schedule with balloon

Rates

Priced per asset; indicative range quoted on your term sheet

Prepayment

Flexible; step-down options available

Closing timeline

2–4 weeks from signed term sheet

Geography

All 50 states