Agricultural Loans in Texas
For more than a century, Capital Farm Credit has been committed to helping Texas farmers and ranchers start, grow and sustain their operations. As a trusted advisor in agricultural financing, we offer tailored loan solutions to meet the diverse needs of rural businesses.
From operating lines of credit and land loans to livestock purchases, refinancing, equipment financing and leasing for ag structures, we provide comprehensive funding options designed with agriculture in mind. With flexible terms, competitive rates and payment schedules built for the seasonality of farming and ranching, we ensure financial solutions that work for you.
We also specialize in financing agribusiness and large-scale food, fiber, fuel and raw materials operations, as well as ag retail businesses across rural Texas, helping drive the success of the agricultural industry at every level.
Our Products
Operating Loans
Capital Farm Credit’s operating loans, or lines of credit, provide short-term financing with flexible payment options to cover seasonal or cyclical cash flow needs and keep your farm or ranch running smoothly.
use for
Feed • Seed • Fertilizer • Chemicals • Fuel • Payroll
Get the Working Capital You Need
Livestock Loans
Capital Farm Credit’s livestock loans offer flexible financing with a variety of rate options and payment schedules to help Texas ranchers purchase, raise or expand their herds, ensuring long-term success in the industry.
use for
Purchasing livestock • Breeding livestock • Stocker cattle • Cow/calf operations • Backgrounding • Feedlots • Dairy operations • Poultry production • Swine production
Equipment Loans and Leasing
Capital Farm Credit partners with AgDirect to offer equipment loans and leasing options to help farmers and ranchers upgrade machinery, improve efficiency and keep operations running smoothly.
use for
Equipment loans can be used for purchasing new or used equipment.
Equipment leasing can be used for paying only for the life of the equipment you use.
Aquaculture Loans
Capital Farm Credit’s aquaculture and mariculture loans provide tailored financing for seafood and aquatic farming operations, supporting sustainable growth and production.
use for
Facility development • Equipment financing • Sustainability upgrades • Compliance and long-term viability • Working capital
Leasing
Looking for a cost-effective way to equip your operation without large up-front costs? Capital Farm Credit offers flexible leasing solutions to help you access the equipment, vehicles and facilities you need to keep your business growing.
use for
Farm storage buildings and grain bins • Livestock barns and facilities • Farm machinery and vehicles • Irrigation equipment • Feed mills, fertilizer blending and handling equipment • Packaging equipment and processing lines
Why Work With Capital Farm Credit for Agriculture Financing?
- Capital Farm Credit has been serving Texas agriculture for over 100 years, offering deep industry knowledge and a strong commitment to rural communities.
- We provide customized loan solutions for a wide range of needs — from operating costs and land purchases to livestock, equipment and aquaculture financing.
- As a member-owned cooperative, we return earnings to eligible borrowers through our Patronage Program, effectively lowering the cost of borrowing.
- Our flexible loan terms, competitive rates and seasonal payment schedules are designed to align with the natural cash flow cycles of farming and ranching.
- Through partnerships with AgDirect and Cobank, we offer both equipment loans and leasing options, giving producers the freedom to invest in the machinery and equipment they need — on their terms.
- We support agribusinesses of all sizes, including food, fiber, fuel and raw materials operations, as well as ag retail.
Ready To Get Started?
Applying for a Capital Farm Credit loan is easy and secure. Start by filling out the form at the link below—we’ll use your information to match you with the right loan application for your needs.
Need help getting started? We’re here for you — just give us a call at 877-944-5500.
Apply NowLoan Payment Calculator
Estimate your monthly loan payment.
Our Loan Calculator helps you estimate payments and understand the total cost of borrowing, so you can see how financing fits into your operation’s budget. Simply enter key details like loan amount, interest rate, term length, payment frequency and amortization type to get started.
View Loan Calculator
Patronage Program
A partnership that pays.
As a cooperative, Capital Farm Credit returns a portion of its earnings to our members through our Patronage Program, which can effectively lower the overall cost of borrowing. The more you borrow, the more you can earn in patronage dividends. Since 2006, members have received $2.9 billion in combined cash returns and allocated equities, reinforcing CFC’s commitment to supporting the agricultural community and rural Texas.
Learn MoreTexas Insight
Your resource for staying connected and inspired.
We’ve Got You Covered
Capital Farm Credit offers customized risk management solutions to safeguard your farm, ranch and livelihood, giving you peace of mind no matter what lies ahead.
