Loan & Lease Eligibility

Who Can Borrow?

At River Valley AgCredit, we’re proud to support the people who keep rural communities strong across western Kentucky and east Tennessee. Whether you’re running a full-time operation, working the farm after hours, living the country lifestyle, or building a business that supports agriculture, we’re here for you.

No matter where you are on your journey, we’ve got financing options built around real life:

  • Big farms, small farms, and everything in between
  • Part-time growers and first-time farmers
  • Hobby farms, land buyers, and rural homeowners
  • Agribusinesses and service providers serving the ag community

We know agriculture isn’t one-size-fits-all and your financing shouldn’t be either. That’s why we take the time to understand your goals and build a loan that works for you.

If it’s rural, if it’s ag, if it matters to you, we’re ready to help you make it happen.

Farmers and Rural Homeowners

We serve big farms, small farms, part-time growers, first-time farmers, hobby farms, land buyers, and rural homeowners.

Agricultural Businesses

We also provide financing for businesses that process or market agricultural products, as long as farmers own more than 50% of the business and those farmers supply at least some of the products that flow through the business.

We can also lend to businesses that provide services to farmers, with eligibility based on the percentage of income tied to farm-related services.

Examples may include ag service providers, livestock processors, grain, feed, or input suppliers, and ag transportation and hauling companies.

How is agriculture income defined?

Examples of farm-related income that may count when determining eligibility.

  • Sale of agricultural products
  • Sale of livestock
  • Sale of livestock byproducts
  • Sale of aquatic products
  • Boarding of horses or other similar services
  • Cash farm rent and hunting and fishing rights
  • Sale of timber and timber growth
  • Poultry and swine contracts