Capital support built for ag lending
For more than 20 years, Agri-Access has partnered with banks and financial institutions to deliver disciplined capital support through loan participation. Our model is designed specifically for agricultural real estate and production-backed lending — including row crop, livestock and specialty operations.
You stay in control of your portfolio strategy while gaining the flexibility to respond with confidence.
Flexible lending capacity
Fast decisions
Specialty appraisals
Relationships stay yours
Niche lending expertise
Easy-to-use digital tools
How loan participation works
Step 1: You originate
You structure and close the loan with your borrower.
Step 2: We participate
Agri-Access purchases a participation interest, assuming risk while you retain the relationship and servicing income.
Step 3: You manage through the Lender Portal
Submit, process and track participations within the Lender Portal using a streamlined digital workflow.
When expanding capacity makes strategic sense
Ag lending strategies are designed to help you preserve liquidity, manage risk and keep lending strong—for your institution and for the farmers, producers and ranchers you serve. These strategies also help you adapt to changing borrower needs, strengthen relationships and maintain operational efficiency.
Protect hard-won relationships
Create room to grow or rebalance your portfolio
Maintain speed and consistency without added lift
Offer long-term financing built for agriculture
Loan participation is also a practical solution when:
Faster, more consistent decisions with Scorecard underwriting
The Agri-Access Scorecard underwriting program supports fast, consistent credit decisions for qualifying agricultural real estate loans up to $5 million. Most eligible loans receive a decision in less than 48 hours, reducing friction for your borrowers and operational lift for your team.
- Faster answers when timing matters.
- Credit decisions in as little as 24–48 hours for eligible loans.
- Credit decisions in as little as 24–48 hours for eligible loans.
- Consistent, disciplined underwriting.
- Standardized criteria support predictable outcomes and portfolio confidence.
- Standardized criteria support predictable outcomes and portfolio confidence.
- Less back-and-forth for your team.
- Defined requirements and a simplified application reduce administrative burden.
- Defined requirements and a simplified application reduce administrative burden.
- Built for ag real estate
- Designed specifically for agricultural land-backed transactions.
Download the Scorecard Program Guide
See eligibility criteria, underwriting standards and application requirements.
How we work together to support and manage your ag lending portfolio
Connect
Start with an Agri-Access Relationship Manager who understands agriculture and ag lending in your region.
Partner
Participate in loans that align with your portfolio strategy while remaining the lender of record.
Grow
With flexible, digital lending solutions built for your balance sheet, you can respond with confidence as your borrowers and portfolio evolve.
FAQs
No—unless you choose otherwise. You remain the lender of record while we provide capital solutions and support behind the scenes.
We support participation across Real Estate Loans, Equipment Loans and eligible Leasing structures built specifically for agriculture.
Loans up to $5 million move quickly through Scorecard underwriting. Larger or more complex deals follow standard underwriting with ag specialists.
All participations are managed through our secure Lender Portal, where you can submit applications, track status and access documents anytime.
It starts with a Relationship Manager. Select your state to connect and begin the process.
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