AgAmerica teamAt AgAmerica Lending, they understand that land loans are not one size fits all. “We know that farmers are progressive people who are always innovating,” says Brian Philpot, owner and managing partner at AgAmerica. “We feel like we must innovate along with them to satisfy their needs and remain relevant.”

Philpot and his business partner both came from agricultural families, and founded AgAmerica after years as land investors, realizing that there was a need for a flexible land lender that could tailor their offerings. Since the company’s beginnings in 2009, they have expanded their products to allow the farmer or rancher to identify their needs first, and then create a customized loan package for them. Many AgAmerica employees come from agricultural backgrounds, so they can uniquely relate to clients and have a firm knowledge of what they require to be successful.

“We pride ourselves on service, and our long history of understanding what owning land means,” Philpot says.

AgAmerica gives farmers the option of longer term loans, some up to 25 years, without having to go through the hassle of renewing annually. They offer a 10-year line of credit; again, much longer than what traditional banks offer. AgAmerica also takes a deliberate team approach.

North Carolina ag products [infographic]“We want our loan officers and underwriters to act as a team, dealing with the client together,” says Philpot. “It helps us process loans quicker and smarter.”

Farmers can choose from different types of land loans, including agricultural farm and ranch loans, recreational and large tract land loans, and bridge and mezzanine loans, as well as loans tailored to specific commodities, such as row crops, timber and cattle.

“A lot of farmers have loans with multiple banks,” Philpot says. “We’re able to help them consolidate and save money.”

One such success story is a fruit grower who wanted to expand his operation and consolidate debts. AgAmerica designed a package that saved him $57,000 in payments annually.

Discover more about AgAmerica’s products, mission and success stories at

AgAmerica Lending is an agricultural land lender based in Central Florida, offering lines of credit, land purchase loans, and refinancing.