AGAMERICA LENDING LLC

Thesis

AgAmerica Lending LLC, founded in 2009 and headquartered in Lakeland, Florida, is a privately held, licensed mortgage lender specializing in agricultural real estate financing. Their core mission is to support American farmers and landowners by providing comprehensive financial solutions, acting as a one-stop shop for diverse debt and equity needs. The firm underwrites and services loans ranging from $100,000 to $100 million, with an average loan size of $2 million and most falling within the $1 million to $25 million range. They offer conventional and alternative land loan programs, flexible financing options like long-term fixed rates and lines of credit up to 30 years, and emphasize a relationship-centered approach. As a non-bank agricultural lender, AgAmerica Lending offers greater flexibility in underwriting through a common-sense, collateral-focused approach. They serve clients nationwide across all 50 states, with concentrated marketing in the Southeast. The company has less than $150 million in AUM and operates two private funds, Bankers South High Yield Fund A LLC and Bankers South High Yield Fund B LLC. A specific fund, Agamerica Lending Fund, has $353 million in size.