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  • The stockholders of both Heritage Land Bank and Texas Farm Credit have voted in favor of the proposed merger of Heritage Land Bank, ACA with and into Texas Farm Credit Services, ACA. Click here to read the official merger results letter.

Products & Services

Land Improvement Capital Loans

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Products & Services

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Finance Your Land Improvement Projects

As a landowner in Texas, we know there’s always work to be done on your property. From clearing land to adding a pond or watering hole, and even building a greenhouse or farm building. After getting to know you, your operations, and your needs, our lenders structure a loan package that goes hand in hand with your improvement plans. Let Texas Farm Credit make it possible for you to dig that well, build that bridge, fence in that land, construct that barn, or improve your land in any other number of ways

Improvement Capital Lending That Works For You

We have competitively priced lending for property improvement with borrower features that work for you!

  • Fixed and variable rate options
  • Flexible terms and workable repayment options
  • Accommodating to usage purpose
  • No maximum acreage limitations
  • Applicable experience with FSA, USDA, and Conservation Easement land programs
  • Co-op membership patronage benefits (cash-back dividends)

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Apply for a Loan

Inquire about our lending categories to kickstart your prequalification process with zero obligation. Your local Texas Farm Credit lending expert will connect with you to explore loan options customized for your needs.

Apply Now
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Our Members Say It Best

  • "I cannot say enough about Jess's expertise and integrity. We are lucky to have him in our community as well as in our local TFC branch." - Harper H.
  • "Very friendly people to work with. Always called back if not available at time of call. Answered all questions with professionalism and friendliness. I have never had a banking facility treat me like this and more need to take notes. I will be going back anytime I need a loan." - Randy R.
  • "Getting a loan can be a complex and frustrating experience. My experience with Texas Farm Credit was very simple and about as pleasant as a loan process could be. I highly recommend Texas Farm Credit." - Robert P.

Resource CenterFinancing Your Land Improvement

Our lending experts provide families, farmers, ranchers, and producers of all sizes with their years of experience, professional and personal. Here are a few of their related articles.

All Resource Articles
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Get to Know Us

Learn more about our mission, what we do, and what drives us each and every day.
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The Farm Credit Structure

An overview of Farm Credit's cooperative structure and unique funding model, and how it helps deliver that mission to every county in rural America.
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We’re Happy to Help

For help finding the right land loan that fits your specific needs, visit your local Texas Farm Credit location, or use our convenient contact form and one of our lending experts will be happy to walk you through your options.

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