Who Can Borrow

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As a member-owned cooperative, River Valley AgCredit has the ability to fund just about any rural project or funding need.  We serve many members who depend on us for the best financial services, advice and counsel regarding property in our regions.

River Valley AgCredit lends to farmers, ranchers, residents and businesses inside our territory provided the business is located in a rural area and designed to serve the needs of people in rural areas.

Below are general guidelines for who can borrow per category of borrower. Please feel free to contact our loan officers to discuss your particular situation or if you have specific questions.


We can lend money for the purchase, construction, improvement or refinancing of homes. You may also borrow for the purchase or refinancing of unimproved residential lots. For more information about our home loans, see Home Mortgages.

Full-Time Farmers

For individuals whose primary business (more than 50 percent of assets and income) is the production of agricultural products, we can lend for all agricultural and family needs as well as non-agricultural needs. This could include, but is not limited to, automobiles and trucks, educational expenses, home improvements, vacation expenses, and much more.

Part-Time Farmers

For individuals who own agricultural land or produce agricultural products and whose income from agricultural products is less than 50 percent of their total income, we can lend for all agricultural and family needs. Non-agricultural needs are limited relative to the agricultural income.


We can lend money to businesses which process and/or market agricultural products provided that more than 50 percent of the business is owned by farmers who provide at least some of the “throughput.” We can also lend money to businesses that provide services to farmers, such as crop spraying, seed cleaning, cotton ginning and more. The extent to which financing can be provided is based on the amount of the business’s total income from farm-related services.

Still not sure if you are eligible? Contact us today and see how we can help.


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What is Agricultural Income?

Agricultural income includes:

  • Sale of agricultural products
  • Sale of livestock
  • 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