Agri Capital Inc.
Agri Capital Inc. is a private money lender in Chowchilla, California. It makes short-term hard money loans secured by farmland and commercial property. As of November 2026, its website, agricapitalinc.com, lists loans of $100,000 to $3 million at 9% to 11% interest, for six months to three years. It also helps buy and sell farm property.
What Agri Capital offers
- Farmland loans: Secured by orchards, vineyards or vacant land suitable for crops. Uses include refinancing, bridge loans and cash-out for commercial purposes only.
- Commercial property loans: Secured by light industrial, office, retail or multifamily buildings with five or more units, on the same amounts, rates and terms.
- Loan-to-value and fees: Up to 65% on a first trust deed and 50% combined on a second. Fees are 2.5 to 3.5 points, plus underwriting and attorney’s fees.
- What it checks: An application, a credit check, income verification and an appraisal or broker price opinion.
- Brokerage: Listing and marketing agricultural property for buyers and sellers.
Who it may suit, and who should look elsewhere
Right for you if:
- You own California farmland or commercial property with at least 35% equity and need a short-term bridge.
- You have a clear plan to repay within three years, such as a sale or a bank refinance.
Not right for you if:
- You need a long-term farm mortgage. The longest term listed is three years.
- You want cash for personal use. Cash-out is limited to commercial purposes.
- You need less than $100,000.
Before you apply
The California Department of Real Estate lists Agri Capital, Inc. under license 01925701 as licensed through September 2030, with no disciplinary action on record. The record shows a main office in Chowchilla and a branch in Fresno. You can call the company at (559) 825-6650.
Points are paid up front, so count them in your cost. Example: 3 points on a $480,000 loan is $14,400, before underwriting and attorney’s fees. Ask for every fee in writing, plus the payment schedule and what happens if the loan isn’t repaid at maturity. Then compare the offer with a bank or other farm lender.
Our guide on how to check if a lender is licensed covers state license lookups. Our business loans guide explains other ways to finance property and equipment.
