Agribusiness Loans and Capital Markets

When your financing needs are larger or more complicated than the average agribusiness loan, we have the capacity and expertise to deliver customized solutions for the most complex borrowing situations. We provide a wide range of lending, distribution and consulting solutions, structured to serve borrowers, participating financial institutions and third-party clients.

Agribusiness Expertise

Among other industries, our team has specific expertise in the wine, dairy, forest products, protein and food processing industries. As a Farm Credit Association with a strong balance sheet and sound financial fundamentals, we are able to provide financing for the largest agribusiness loans in the country.

Capital Markets Expertise

We know agriculture because it’s all we’ve ever done.

Stemming from a history of over 100 years of lending, American AgCredit and our various partner associations offer stable and financially sound options for debt structuring and loan syndication, including transactions for private equity funds. Through our relationships with other lenders, we finance the largest transactions in the country, reaching over $1 billion. We achieve this as a syndicate, participant and arranger, but our exceptional expertise positions us to originate and lead many of these transactions. Managing more than $350 billion in assets, the Farm Credit System is backed by a diverse portfolio both in geography and in commodities across the United States.

We know agriculture because and it’s all we’ve ever done, but we also recognize that agriculture is changing. The digital ag revolution is here. We hold two approaches hand-in-hand: honor for the legacy of the Farm Credit system and a thorough understanding of the ag industry’s rapid change.

Agribusiness Loans & Loan Servicing

Our lending and financing capabilities allow us to offer a wide range of solutions. Each solution is tailored to meet the specific needs of the borrowing entity. Our lending services include:

Secured mortgage loans
Personal property secured transactions
Secured or unsecured revolving lines of credit and term loans
Lending facilities comprising multiple loan products
Private placements of debt
Leasing services
Industrial Revenue Bond issuance
Interest rate hedging products
Syndicated and participated credit facilities with the Farm Credit System, commercial banks and insurance companies

We offer a high degree of service to our clients with timely loan servicing, payment processing and loan accounting. These services, which are also offered on behalf of participating lenders, include:

Collateral monitoring of property, plant, equipment, inventories and accounts receivable
Analysis of collateral re-conveyances, substitutions and subordination
Financial covenant compliance monitoring
Asset inspection and valuation
Analysis of economic impacts and regulatory changes

Consulting Services

We offer specialized consulting services to borrowers, participating financial institutions and third-party clients, including:

Valuation of property, plant and equipment
Evaluation of management and operating practices
Cash flow modeling of production, manufacturing and vertically-integrated operations
Inventory verification and analysis
Market and industry economic analysis
Policy and regulatory environment analysis
Treasury Management Consulting

The American AgCredit Difference

Capacity & Expertise

Agribusiness Loan options and structure flexibility:

Maturities: Unsecured and personal property secured loans with terms of 10 years and above, and real estate secured loans with terms of 25 years and above.

Structure: We can design loan solutions with delayed takedown options or multi-year revolving commitment components, as well as finance, participate in and service facilities incorporating both short- and long-term amortizations and project finance credits.

Pricing: We offer pricing flexibility by providing the option to structure loans combining variable and fixed interest rate tranches. Staggered fixed rate maturities with indexed repricing options are often included in multi-year products. Short and long-term projects regularly include tranche pricing and performance pricing. Partial open prepayment options can be incorporated in multi-year products. Interest rate hedging options are available, including forward pricing, rate swaps and caps.

Appraisals: We perform appraisals and evaluations of agribusiness and forest products property, facilities and equipment with market values up to and exceeding $1 billion. To assist with the collection and verification of field data, we use the services of several professional consulting firms, applying their expertise while maintaining our independence in forming a final value conclusion.

We offer structured, financed, participated and serviced facilities incorporating both short and long term amortizations, multiple-year revolving lines of credit and project finance credits.