Cash Equity Loans
You work your land, and sometimes, your land can work for you. As interest rates fluctuate and borrowing becomes more complex, many landowners are exploring innovative ways to unlock capital without sacrificing favorable terms on existing mortgages. At Capital Farm Credit, our equity financing solutions help you tap into the value of your property to access funds for a wide range of needs—from operational expenses to growth initiatives. The ground you walk on is already the solution. Whether you’re looking to reinvest in your farm or need liquidity for other business or personal purposes, we provide flexible loan structures designed to put your land to work for you.
Equity Loans Can Be Used For:
Debt Consolidation
Refinance high-interest loans or credit lines with more favorable terms.
Business Expansion
Invest in additional land, equipment or infrastructure using the equity you’ve built.
Operational Cash Flow
Support your operation with working capital during seasonal or transitional periods.
Personal Financial Goals
Fund major life events, education or medical expenses using your land as collateral.
Equity Loans Cannot Be Used For:
Speculative Land Purchases
Land purchases must have a clear use or improvement plan.
Non-agricultural business ventures
Land purchases must align with lending guidelines.
Benefits of Capital Farm Credit Equity Loans
Deep Roots in Texas
Capital Farm Credit offers unparalleled expertise in serving the state’s agricultural community.
Flexible Financing Options
Get tailored terms that leverage your property’s equity while fulfilling your financial goals.
Competitive Interest Rates
We offer affordable access to capital, even if you already hold a first mortgage with a lower rate.
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.
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Patronage Program
A partnership that pays.
At Capital Farm Credit, we do more than provide financing—we share our success with our customers. Through our Patronage Program, a portion of our earnings is distributed back to our members, helping to lower the overall cost of borrowing. Over the years, we have returned $2.9 billion in combined cash and allocated equities, reaffirming our commitment to supporting the rural Texas community. The more you borrow, the greater your potential return, because when you succeed, we all succeed.
Learn MoreFrequently Asked Questions
A land equity loan allows you to borrow against the value you’ve accrued in your rural property. It’s a way to convert equity into working capital without selling or refinancing your existing first mortgage.
Yes. If you’ve locked in a favorable rate on your first mortgage, we can explore second-position mortgages or other loan structures that allow you to access equity while preserving your original terms.
Loan amounts are based on the appraised value of your land, minus any outstanding mortgage balance. Our loan specialists will evaluate your financials and equity position to determine your eligible borrowing range.
Equity loans can fund a variety of goals—from farm expansion and equipment purchases to operating expenses, debt consolidation, and even personal needs like education or medical costs. The key requirement is that your land provides the necessary collateral.
We offer flexible terms tailored to your financial situation, loan size, and purpose. Loan terms can range from short-term to long-term, giving you the option to repay at a pace that fits your budget.
No. As long as you have sufficient equity built up in your property, you may qualify, even if you still have a first mortgage in place.
While similar in concept, our land equity loans are tailored to rural properties and agricultural operations. Unlike traditional HELOCs, they are structured specifically for borrowers with land-based assets and long-term growth objectives.
Yes. We evaluate credit history, financial standing, property value and intended use of funds. Our lending team works closely with you to find the right structure and ensure a smooth approval process.
Texas Insight
Your resource for staying connected and inspired.
Protect Your Investments, Secure Your Legacy—Comprehensive Risk Management for Your Crops and Livestock
At Capital Farm Credit, we understand that unlocking equity from your land can be a smart financial move, but protecting that land is equally important. Your property is more than an asset; it’s the foundation of your livelihood. That’s why we emphasize the importance of crop and livestock insurance as part of a well-rounded risk management strategy. Whether you’re raising livestock, growing row crops or managing specialty operations, the right coverage can help safeguard your equity—and your future—against market shifts, extreme weather and unforeseen challenges.
