We are Texans. Our owners are multi-generational farmers and ranchers. Our board is made up of a diverse group of Texas landowners who understand the importance of having competitive and customizable land financing solutions.
Agribusinesses are the lifeblood of Texas and we are proud to provide the financing that supports their foundation. If you are looking for expand your operation, purchase your dream ranch, or restructure debt, we can provide a land loan that will fit your project and timeline.
Our personal experience with ranches, farmland, timberland, and agribusinesses make us uniquely qualified to understand the needs of any landowner and consult them through their decision of finding the right land loan for them. We believe in transparency and will work with you every step of the way in your lending journey.
Cultivated Lending was great to work with. We sourced and closed our deal with no issue.
What does your dream recreational property look like? Is it a live water property with endless views? Cultivated Lending is here to make your dream a reality. With premium product options and 100% transparency, we provide land loans that are second to none.
Cultivated Lending offers flexible and competitive real estate loans on a variety of farm and ranch properties, including dry land and irrigated farms, permanent plantings and ranch land. If you are looking to refinance an existing mortgage or recapitalize your balance sheet, we have the programs to customize and build the ideal loan solution.
Our loans can assist with new construction or improvements on existing facilities. From produce processing facilities to nurseries our team has a diverse experience dealing with all types of agribusiness facilities and development financing (for permanent crops). We help service providers and producers continue their operations expand.
Whether you’re purchasing your first ranch or in need of capital, we have you covered. With customizable loan solutions, you can build the ideal financing package for your operation.
Our real estate secured, revolving line of credit can be used for growth or contingency purposes. Open use of funds means you have complete discretion of your credit facility. This is a 10-year revolving line of credit with no mandatory pay downs, no resting periods, no annual reviews, and unlimited cash draws. This is the perfect financing tool to have available for any situation.
We provide competitive, long-term fixed or adjustable rate mortgage. With an advance rate of 85% LTV, our product offerings allow us to build a tailor term loan structure to meet your needs and timelines. Whether you need an interest only period or construction financing for expansion, we can customize our loan package to fit your project.