Capital structured for
the ground you work.

Flatwoods Capital provides well-structured capital for farmers seeking to finance agricultural land and real estate for generations to come.

The Flatwoods Difference

All the reach of the big lenders without any of the distance.

We’re a relationship-focused private lender with the funding power of a national lender. But unlike a traditional bank, Flatwoods Capital underwrites the strength of the land and the operator behind it.

  • Relationships first, not transactions. A loan is a long commitment, and we treat it that way. You get the same people who know your operation for the life of the relationship.
  • Creative structuring. No two operations run the same. We build loan structures to fit yours.
  • Private-firm speed. Receive answers in days from a team you reach directly.
Meet the team

What We Finance

Long-term capital for agricultural real estate.

Each operation runs differently, and we build the right structure for your specific needs.

Real estate secured line of credit Quick access to funds for operating needs or business expansion.

Real estate purchases and refinances Long-term loans to purchase, expand, or refinance farmland.

Development loans for permanent crops Products tailored to fit your specific operation.

Scorecard program

Limited documentation requirements · Credit score-based loan program · Quick application and approval process

Rate options

Fixed · Variable · Adjustable

Property types

Agricultural · Recreational · Land in transition · Other

Your operation is yours.
The financing is ours.

We would never walk onto your farm and tell you how to run it—that’s yours, and you’ve earned it. What we bring is the other half: the market knowledge, sharp pricing, and capital structure built around how your business works.

And when timing matters, we don’t make you wait.

You’ll work directly with the people who make the decision, with no queue to sit in. When an opportunity comes up, we can move on it while the window’s still open.

Speed to Closing

Decisions made quickly, so your deal does not stall in underwriting.

Speed to Market

Capital in place at the opportune time, not weeks after.

LET’S BEGIN

Tell us about your operation.

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