Community West Bank fulfills the financing needs of our agricultural and agribusiness clients with Farmer Mac mortgage loans for land acquisition, loans to refinance existing debt and financing for capital improvements.
Solutions to Grow Your Business
Do You Need an Agricultural Loan?
Agricultural financing has always been challenging for farmers and ranchers. Most banks tend to be wary of offering farm loans to agricultural businesses since they perceive this type of financing to be high risk. That's because the profitability of an Ag business can vary considerably, depending on factors such as weather and location.
Community West Bank can fulfill the financing needs of farmers and ranchers, offering Farmer Mac loans to those who want to buy or refinance farm or ranch land or kick-start their agricultural business.
Our Ag lenders have many years of direct experience serving farmers and ranchers specifically, and are aware of the limitations, as well as the opportunities, that exist for you.
Community West Bank agricultural bankers will assess each Ag financing request carefully and consider the complex factors that can influence your loan before providing you with a financing plan. Our expertise in serving agribusinesses, our affiliation with national agencies such as the USDA Farm Service Agency, and our status as an approved lender for Farmer Mac loans allow Community West Bank to respond to your request quickly, with average approval time of two days or less on Famer Mac loans!
We Offer Ag Financing
Whether you’re interested in starting a farm, expanding your ranch, or making your existing Ag business thrive, we offer options in agriculture financing and refinancing, including ranch and farm credit for:
- Real Estate Loans - One of the main reasons why farm and ranch owners turn to banks for funding is for real estate - primarily land. Whether you need new land for production, or are ready to refinance your land at more favorable terms, we understand your needs and can help you find the best financing option for your particular situation. We work hard at assessing each request as quickly as possible and providing you answers within a matter of days.
We Want to Help You Thrive
Understanding the needs of agricultural business owners makes us aware of the positive impact that working capital has on their agribusinesses. Our goal is to encourage growth throughout the agricultural sector — on California’s Central Coast and statewide — providing Farmer Mac financing to farmers and ranchers who have the vision and long-term plans needed to put funds to productive use.
Community West Bank’s Ag bankers are ready to discuss your business plans, analyzing the major aspects that need to be considered. Our competitive rates and commitment to responsive personal service make us stand out from other banks. We take pride in the portfolio of very satisfied clients who have managed to make their Ag businesses thrive with the funding they received from us.
We Are Only a Phone Call Away
For information about available funding for land acquisitions, refinancing, or other lending options for agricultural projects, please contact us to get started. Call Laura Maffei at (209) 679-9244 or (805) 692-4394, or John Lozano at (209) 598-6056.