Commercial and Agricultural Real Estate Financing
ComAg Financial can help you arrange financing for all types of Commercial Real Estate and Agricultural Real Estate throughout California, Oregon, Washington, Arizona, Idaho, Nevada, Texas, Utah, Wyoming, and Montana and other U.S. states upon request where not prohibited by state-specific licensing regulations. ComAgFinancial works with a network of funding sources to find the type of financing best suited to your particular commercial real estate, agricultural or agribusiness real estate, and your own unique situation.
Note: ComAgFinancial ONLY arranges commercial, agricultural, and business purpose loans; ComAg Financial DOES NOT arrange consumer purpose loans or loans for 1-4 unit residential real estate or other owner-occupied residential real estate.
Types of Commercial Real Estate and Agricultural Real Estate That Can Be Financed
ComAg Financial can arrange financing for you for the following types of Commercial Real Estate
Click for more information regarding the types of Commercial Real Estate and Agricultural Real Estate for which ComAg Financial can help you arrange financing:
Commercial Real Estate
5+ Unit Apartment Complexes; 50+ Unit Apartment Complexes; 100+ Unit Apartment Complexes
Assisted Living Facilities and Multi-Family Senior Housing (non-owner-occupied)
Automotive Properties
Churches
Gas Stations / Car Washes
Hotels
Industrial / Warehouses / Manufacturing Facilities
Land / Agricultural / Farm Property / Ag Processing Facilities(see below for details)
Lots / Land - Non-Rural
Marinas
Medical Buildings and Medical Offices
Mixed Use Properties
Mobile Home Parks (but not individual owner-occupied mobile homes)
Multi-Unit Student Housing (non-owner-occupied)
Office Buildings and Office Complexes
Residential Developments (Builder Loans / Builder Construction Financing)
Restaurant / Bar Properties
Retail Properties / Shopping Centers
Self-Storage Facilities
Specialty Use Properties
Agricultural and Agribusiness Real Estate
Open Farm Land / Row Crop Farmland
Permanent Crops, including: Almonds; Pistachios; Walnuts; Citrus; Tree Fruit; Wine Grapes; Table Grapes; Raising Grapes; Olives; Other Permanent Crops
Dairy Farms and Feed Lots
Agribusiness Warehouses and Processing Facilities
Pasture and Range Land
Miscellaneous Other Types of Agricultural Real Estate
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Commercial Real Estate Loan Programs
ComAg Financial arranges: Long-term institutional financing; flexible non-bank alternative loans for commercial and 5+ unit multi-family investment properties that just miss conforming guidelines; construction financing; and private bridge loans.
Click for more information regarding available commercial real estate financing programs:
$100K and Up
Long-Term Financing
Bank, CMBS, Life Co, Fannie (multi-family), Freddie (multi-family)
5, 7, 10, 12, 15, 20, and 30-Year Fixed Terms
15 to 30-Year Amortization
Up to 80% LTV
Full-Doc Underwriting
No Point Options
$500K to $100MM+
Short-Term Private Financing
Fixed Rate
1 to 3-Year Terms
Interest Only Payments
Up to 75% ARV
Up to 100% LTC
1 to 3 Points
$100K and Up
Long Term Financing
Fixed Rate
5, 7, 10, 15, and 30-Year Terms
15 to 30-Year Amortization
Up to 80% LTV
Flexible Underwriting
No-Point Options
$100K to $10MM
Short-Term Financing
Fixed Rate
12 to 18-Month Terms
Interest Only Payments
Up to 100% LTC / 75% ARV
Flexible Underwriting
1 to 3 Points
$100K to $50MM
Short-Term Financing
Fixed Rate
1, 2, and 3-Year Terms
Interest Only Payments
Up to 75% LTV
No-Appraisal Option
Funding in 10 to 21-Days
$100K to $5MM
Long-Term Financing
Adjustable Rate
25 to 30-Year Terms
25 to 30-Year Amortization
Up to 90% LTV
Business Owner-Occupied Only
No-Points Options
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Agricultural and Agribusiness Real Estate Loan Programs
ComAg Financial arranges: Long-term institutional financing for agricultural real estate and agribusiness real estate, including: Farm and Ranch Loans (Fixed Rate Mortgages; Adjustable Rate Mortgage Loans (ARM); Variable Rate Mortgage Loans (VRM) and Ag Equity Lines of Credit. ComAg Financial can also help you prepare for moving your entire credit and banking relationship to a new bank.
Click for more information regarding available Agricultural Real Estate and Agribusiness Real Estate financing programs:
Fixed Rate Farm and Ranch Loans
Fixed interest rate for entire length of loan
10, 15, 20, 25, and 30-Year Terms
Baloon payment if amortization exceeds loan term
Adjustable Rate Farm and Ranch Loans
7/1 and 10/1 ARMs
Loans have fixed rate for initial period selected, then reprice and fix again for the specified period
Variable Rate Farm and Ranch Loans
Loan rates are fixed for an initial period, reprice, and are then fixed for the shorter of the same period or remaining term of the loan
1, 3, 5, 10, and 15-Year VRM Products
Total loan term up to 25 years
Ag Equity Line of Credit
5 or 10-Year Term (10-Year term on upon request and approval of a credit review)
Limited number of draws and repayments during the draw period (Minimum $2500 per draw)
Repay principal at any time
Interest-only, semi-annual payments on outstanding balances
No non-use fees
Draws funded to your account the next day
Make online payments
Use funds for any on-farm or business purpose
Convert to a term-loan on any interest-only payment date
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Agricultural Real Estate and Agribusiness Real Estate Loan Application
To discuss your agricultural or agribusiness real estate financing requirements and to request an agricultural real estate or agribusiness real estate loan application, please call or text: 559-612-6629.
Interest Rate Watch
Follow the links below for current interest rate info. Note: Loan rates are typically determined by adding a "margin" to an "indexed rate", such as the Prime Rate or SOFR. The "margin" is determined based on a variety of factors, including term of loan, borrower credit score, type of collateral, and various other factors specific to the borrower and collateral.
Prime Rate (opens new tab)
Current SOFR Rate (opens new tab)
Federal Reserve Selected Interest Rates (Daily) - H.15 (opens new tab) The Daily H.15 report contains the following rates: Federal funds rate; Bank Prime Rate; Treasury Rates.
Federal Reserve Monetary Policy Reports (opens new tab)
Agricultural Real Estate Loan Rates - Please call or text 559-612-6629 for current Agricultural Real Estate Loan Rates.
Commercil Real Estate or Agricultural Real Estate Loan ApplicationPlease call or text 559-612-6629 to request a loan application for Commercial Real Estate Financing or Agricultural Real Estate Financing for your California, Arizona, Idaho, Oregon, Washington, Nevada, Utah, Wyoming, Montana, or Texas Commercial Real Estate or Agricultural Real Estate.
About ComAg Financial
ComAg Financial helps businesses, manufacturing companies, distributors, retailers, investors, farmers, dairy farmers, ranchers, food processing company operators, and agricultural and agribusiness companies locate and/or arrange financing for: Commercial Real Estate; Agricultural Real Estate; and Agribusiness Real Estate. ComAg Financial's role in the process of arranging financing varies depending on the specific situation and type of financing needed; Depending on your unique situation, ComAg Financial may act in the capacity of a: correspondent lender; broker; consultant; or referral partner for a third party funding source.
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