Orchards · non-owner-occupied · no-doc
Orchard and grove loans rooted in land value
Almonds, citrus, apples, avocados — permanent planting financing based on land and improvements, not yield history.
Up to $1.5M
Loan amounts
70%
Max LTV
680+
Credit minimum
No doc
No tax returns or financials
Built for moments like these
- →Purchasing a producing orchard with water rights
- →Cash-out against mature plantings to fund new blocks
- →Acquiring distressed groves for rehabilitation
- →Refinancing short-term debt on permanent plantings
How underwriting works
We order an appraisal and review title, water rights, access and agricultural use. The loan is sized against appraised value — up to 70% — and priced on the asset, not your income. A 680+ credit score and a business-purpose use are the only borrower boxes to check.
Loans close in the name of an individual, LLC, trust or partnership. The property must be non-owner-occupied: an investment, an expansion, or a working operation you don't live on.
Available in all 50 states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware and 42 more.