The logo of Lending Acres

Your alternative lender

We offer commercial loans and financing to agricultural businesses, cooperatives, rural infrastructure projects, and agricultural real estate ventures.
We are a creative company and work with our borrowers to solve their short-term and long-term financing needs. Our products are custom-designed for the borrower’s unique problems and strive to close loans as quickly as 30 days.*

Your alternative lender

Ag Financing

We understand that not all borrowers look the same.
We offer alternative ag lending solutions to borrowers that do not meet traditional lending standards. Our solutions are customized and designed to go beyond what may be available from traditional lenders. Our loan products include bridge loans, cash-out loans, acquisition finance, debt restructuring, high-LTV loans, and 2nd liens.
Bridge Loans
Bridge Loans
A bridge loan is a short-term loan that is used to meet current obligations before securing permanent financing. It provides immediate cash flow when funding is needed but is not yet available.
Cash-Out Loans
Cash-Out Loans
These loans replace your current mortgage with a new, larger loan, paying you in cash, the difference between the amount borrowed and what you owe on your land assets. This allows you to cash-out the equity in your land. The cash can go towards acquisition, development, or other approved purposes.
Acquisition Finance
Acquisition Finance
The use of debt, equity, and hybrid financing techniques to achieve an acquisition. The focus of acquisition finance is on identifying the optimal financing solution for a company.
Debt Restructuring
Debt Restructuring
A process wherein a company or an entity experiencing financial distress and liquidity problems refinances its existing debt obligations to gain more flexibility in the short-term and make its debt load more manageable overall albeit at a higher LTV and / or interest rate.
High-LTV Loans
High-LTV Loans
These are loans where the loan to property value is between 60% and 80% or more.
2nd Liens
2nd Liens
These are loans that create an additional mortgage on the land, behind the original mortgage. These types of loans help you to borrow against equity in the land without refinancing the existing mortgage.
Custom Loans
Custom Loans
Also referred to as a unique loan, is a loan that a mortgage lender creates specifically for a borrower. This may seem a bit broad, but it can be a loan that doesn't necessarily fit into any specific category.
pile of leafed plants
Bridge Loans
A bridge loan is a short-term loan that is used to meet current obligations before securing permanent financing. It provides immediate cash flow when funding is needed but is not yet available.
brown wheat field during daytime
Cash-Out Loans
These loans replace your current mortgage with a new, larger loan, paying you in cash, the difference between the amount borrowed and what you owe on your land assets. This allows you to cash-out the equity in your land. The cash can go towards acquisition, development, or other approved purposes.
three black and white Angus cattle on green grass during day
Acquisition Finance
The use of debt, equity, and hybrid financing techniques to achieve an acquisition. The focus of acquisition finance is on identifying the optimal financing solution for a company.
green corn field under a clear blue sky, early morning light
Debt Restructuring
A process wherein a company or an entity experiencing financial distress and liquidity problems refinances its existing debt obligations to gain more flexibility in the short-term and make its debt load more manageable overall albeit at a higher LTV and / or interest rate.
green grass field and green trees during daytime
High-LTV Loans
These are loans where the loan to property value is between 60% and 80% or more.
aerial photograph of a tractor working in a wheat field
2nd Liens
These are loans that create an additional mortgage on the land, behind the original mortgage. These types of loans help you to borrow against equity in the land without refinancing the existing mortgage.
aerial photograph of green, freshly mown, grass fields
Custom Loans
Also referred to as a unique loan, is a loan that a mortgage lender creates specifically for a borrower. This may seem a bit broad, but it can be a loan that doesn't necessarily fit into any specific category.

Our Team

Seasoned lending professionals.
We review each client inquiry and respond quickly. Even if the client is not a direct fit for us, our team has a vast network of lenders and we can refer a more suitable lender at the client’s request.

Executive Team

Jitin K. Singhal, CFA
Chief Executive Officer & Chief Credit Officer
Mr. Singhal serves as the CEO and CCO of Lending Acres. He is also the President & CEO of EJ Financial Corp. (a Registered Investment Advisor). Mr. Singhal is a strategic finance and technology leader with a 25+ year proven track-record of credit investing, growing existing lines of business, and bringing new products / companies to the market. He has deep expertise in originating and managing ag real-estate secured loans and previously managed a $10 billion portfolio of agricultural and rural utility loans as well as $3-$4 billion portfolio of fixed income securities at Farmer Mac.
Bobby Roy
President & Chief Investment Officer
Mr. Roy serves as the President and CIO of Lending Acres. He has over 18 years of experience as a structured finance professional with deep knowledge and experience as an institutional portfolio manager and investment banking executive. He has held multiple senior investment leadership and advisory roles at large asset managers and investment banks.
Mark Gruber, CFA
Chief Risk Officer
Mr. Gruber serves as the CRO of Lending Acres. He has been the Chief Investment Officer of ARMOUR since March 2018 and was the Chief Operating Officer from September 2013 until March 2020. Mr. Gruber was also the Head of Portfolio Management of ACM (and its predecessor, ARRM) since June 2010 and its Chief Operating Officer from September 2013 until March 2020. Mr. Gruber is a member of BUCKLER and also serves as Chief Operations Officer for BUCKLER.
James Mountain
Chief Financial Officer
Mr. Mountain serves as the CFO of Lending Acres. He has been the Chief Financial Officer of ARMOUR since September 2012 and the Secretary of ARMOUR since March 2014. Mr. Mountain also serves as Chief Financial Officer, Treasurer and Secretary for, and is a member of, BUCKLER. Mr. Mountain joined ARMOUR after having spent over 30 years at Deloitte.

Resources

Latest News & Research

January 10, 2023
Forecast of Tree nuts (Almonds, Pistachio, and Walnuts)

Tree nuts are important food commodities that are an excellent energy source and dietary protein and are rich in natural bioactive and health-promoting compounds. The major tree nuts include almonds, pistachio nuts, and walnuts. These nuts are a major source of protein and energy. In recent years, the popularity of tree nuts has grown dramatically after epidemiological studies and […]

Read More
December 19, 2022
Impact of Hurricane Ian on Florida Citrus Crop

Florida is one of the leading producers of citrus crops in the U.S. More than 375,000 acres of this state produce oranges, grapefruit, tangerines, etc., contributing more than 6 billion dollars annually. Florida is the world's second-largest producer of citrus and 100% orange juice in the United States. More than 95% of oranges are grown […]

Read More
December 13, 2022
The Impact of Trade Restrictions on Global Wheat Prices 

China, India, and Russia are the three largest wheat producers in the world. The United States is the fourth-largest wheat producer in the world. Wheat is the second most important grain that is cultivated in the United States, following corn. Wheat is one of the most demanding and useful food crops. There are numerous uses of […]

Read More

Loan Calculator

online mortgage calculator

Contact Us

Have a question or want to work with us?
Send us a message!
772-263-8422
3001 Ocean Drive, Suite 201
Vero Beach, Florida 32963

    Borrower or Investor?

    What type of loan are you interested in?

    How did you hear about us?

    * Not all loans will qualify for expedited processing