Improvement Loans
At Capital Farm Credit, we understand progress and how important it is to better the land that grows alongside you. Our farm improvement financing solutions provide the necessary funds to enhance and upgrade your farming or ranching operation, ultimately improving the utility of your property. Whether you’re investing in infrastructure development, implementing advanced technology or land and water management, we offer flexible financing to help you strengthen efficiency, productivity and long-term sustainability.
Improvement Loans Can Be Used For
Increase the Utility of the Property
Clear land, add an office or upgrade barns, pens, storage facilities and processing areas for growth.
Enhanced Property Value
Invest in long-term improvements that add value to your land and operation, such as range and soil management, and water and irrigation improvements.
Sustainability and Conservation
Fund conservation efforts and habitat restoration.
Improved Accessibility
Build or repair access roads, fencing and essential farm infrastructure.
Why Choose Capital Farm Credit for Your Improvement Loan?
Expert Guidance
Our team understands the realities of Texas agriculture and provides personalized support every step of the way.
Tailored Loan Structures
Get financing designed around your budget, project scope, and cash flow needs — without unnecessary financial strain.
Ag-Focused Rates
Access competitive interest rates built for ag operations, making it easier to invest in long-term improvements.
Wide Range of Eligible Projects
Use funds for essential upgrades like fencing, barns, irrigation systems, grain storage, and more.
Flexible Repayment Options
Repayment schedules are structured around your income cycle and project timeline for maximum flexibility.
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.
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’ve returned $2.9 billion in combined cash and allocated equities, reinforcing our commitment to supporting the agricultural community. The more you borrow, the greater your potential return — because when you succeed, we all succeed.
Learn More
Member Stories
Recommended by Texans like you.
“I am Traci Klepac. Jeff and I have been farming for about 38 years. Our boys came in to farm with us in 2006 and Capital Farm Credit was able to work with us and help us expand our business. Capital Farm Credit has been there for us, not only just with the lending and helping us grow. They actually know what farmers need. Our future plans are to continue working with Capital Farm Credit and make our future better.”
Traci KlepacFrequently Asked Questions
Our farm improvement loans cover a wide range of projects, including infrastructure development, irrigation systems, fencing, land leveling, road construction and facility expansions. If your project enhances your farm’s efficiency or sustainability, we can help finance it.
We offer flexible repayment terms tailored to your operation’s financial situation. Loan terms vary based on the scope of the project, collateral and loan amount, ensuring a plan that fits your needs.
Applicants must meet Capital Farm Credit’s lending criteria, which include factors such as credit history, financial standing and intended agricultural use of the funds. Our loan specialists will work with you to determine eligibility and customize a financing solution.
Yes! If you’re planning several upgrades or improvements, we can structure a loan to cover multiple projects under one financing plan, helping you efficiently manage costs.
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 protecting your agricultural investment is just as important as financing it. While we don’t offer insurance products for farm improvement projects, we recognize the critical role that crop and livestock insurance plays in safeguarding your operation against unpredictable weather, market fluctuations and other risks. Whether you’re managing row crops, vineyards or livestock, having the right coverage can provide peace of mind and financial stability.
