Loans Built For Rural Life
Financing your future.
For more than a century, Capital Farm Credit (CFC) has been a trusted financial partner for farmers, ranchers, and rural Texans. Offering more than just financing, CFC delivers a cooperative approach that puts its members first. Whether you’re looking for funding for farming, ranching, land, a rural home, or agribusiness, CFC’s deep expertise in agriculture and local markets ensures personalized loan, lease, and insurance solutions designed to help you thrive.
As a cooperative, CFC shares its success with members through its industry-leading Patronage Program, consistently returning earnings to borrowers and lowering their effective cost of borrowing. More than a lender, CFC is a partner in your operation—invested in your long-term success and the future of rural Texas.
Our Loan Offerings
Ag Loans
Our ag loans are built for Texas farmers and ranchers. With flexible, customized financing, you can invest in equipment, purchase land, expand your operation, and overcome the challenges that come with agriculture.
All Ag Loans
Ranch and Rec Land Loans
From wide-open acreage to productive farmland, our land loans are designed to help you purchase, improve, or refinance rural property across Texas—on terms that match your vision.
All Land Loans
Home Loans
We make country living possible with home loans that fit your rural lifestyle. Whether you’re buying, building, or refinancing, we’ll help you make your dream home a reality.
All Home Loans
Agribusiness Loans
Rural businesses drive our communities forward. Our agribusiness loans offer smart financing for operations, expansion, and long-term growth—backed by a team that knows your business.
All Agribusiness Loans
Beginning & Small Producer Loans
We’re here to support the next generation. Our loans for beginning and small producers provide the financial foundation and expert guidance to help you start strong and grow with confidence.
All Beginning & Small Producer LoansWhat Makes Capital Farm Credit Different?
We’re deeply rooted in the Texas economy and community.
Choosing Capital Farm Credit means partnering with a lender deeply rooted in the Texas economy and community, one that combines competitive rates and flexible terms with personalized service and expert guidance. From complex borrowing needs to land valuation support, we bring a deep passion for agriculture and rural living, along with a customer-first approach that puts your goals at the center of everything we do.
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 shares our success with our members through our Patronage Program, returning a portion of our earnings based on each member’s contribution through qualifying products and programs. Since 2006, we’ve distributed more than $2.9 billion in combined cash dividends and allocated equities, underscoring our commitment to supporting Texas farmers, ranchers and rural communities.
Member Stories
We're better together
“Capital Farm Credit knows the business. They have the products, the systems in place to really help us grow and manage our business. They’re our friends and we just have a great working relationship together.”
Bryan Brown, Brazos Valley
Member Stories
We're better together
“Capital Farm Credit works cooperatively with us in the complexities of our business.”
David Grimm, Berend Brothers
Member Stories
We're better together
“It’s the first land I’d ever purchased. Dealing with Capital Farm Credit was super easy for us through the whole process.”
Wes ManganTexas Insight
Your resource for staying connected and inspired.
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We’ve Got You Covered
We do more than provide financing — we help safeguard your farm, ranch or agribusiness with tailored risk management solutions to protect your investments and legacy.
