Bridge Loans

Janus Ag Finance provides special situation loans to farmers, ranchers, and agribusiness owners.  Loans are real estate based with alternative collateral such as heavy equipment, crops, crop insurance, and cattle. These are short term interest only loans.  The rates are based on the risk category and while still competitive, they are higher than our Farmer Mac loans.

The purpose of a bridge loan is to fund an immediate need to improve, expand, or transition with the intent of refinancing into a lower interest loan in 1 to 3 years.  Payments are interest only with loan term up to 3 years.  Loan amounts are $5 mm – $100 mm.

Acceptable Situations

  • Development – land, crop, facilities, improvements
  • Asset Acquisition – land, desalination plants, heavy equipment
  • Forbearance or Foreclosure Payoff
  • Debtor in Possession
  • Bankruptcy Take Out
  • Damaged Credit
  • Quick Close
  • Discounted Payoff
  • Debt restructuring
  • “Fast” Close Loans
  • Flexible terms and structuring
  • Underwriting based on future income and repayment strategy
  • Low credit scores acceptable
  • Non-recourse Loans
  • Operating loan combination
  • Large Loan Participation