Asset-Backed Financing

GlobalRancher provides private lending supported by real collateral, including land, livestock, and productive agricultural assets.

Our Lending Philosophy

Real Collateral Only

Every loan is backed by tangible assets we can understand, evaluate, and if necessary, recover. We don't make unsecured loans or personal credit lines. Real collateral provides foundation for disciplined decision-making.

Conservative Loan-to-Value

We maintain strict loan-to-value (LTV) ratios, typically 50-70% of appraised collateral value. This conservative approach protects lenders and allows borrowers to have equity cushion and negotiating room.

Transparent Underwriting

Borrowers understand our underwriting criteria. We conduct rigorous but fair appraisals, evaluate borrower experience and capacity, and maintain clear loan terms.

Borrower Success

We want our borrowers to succeed. We structure loans to support productive activity and provide technical support to help borrowers prosper and repay.

Types of Financing Available

Land Acquisition & Development

Financing for qualified borrowers to acquire ranching properties or fund land improvements.

  • Typically 50-70% LTV on appraised land value
  • Terms up to 15-20 years for land acquisition
  • Working capital for improvements

Livestock & Equipment Financing

Financing for quality breeding cattle, feeders, or operational equipment.

  • Secured by livestock as collateral
  • Shorter terms aligned with productive cycles
  • Flexible draw schedules for seasonal operations

Working Capital & Seasonal Financing

Short-term financing for seasonal expenses, feed purchases, or operational needs.

  • Flexible terms aligned with cash flow cycles
  • Quick underwriting & funding
  • Renewable seasonal facilities

Portfolio & Consolidation Loans

Refinancing opportunities for qualified borrowers seeking better terms or to consolidate debt.

  • Competitive rates for strong operators
  • Longer terms to improve cash flow
  • Flexible structures

What We Look For in Borrowers

Experience & Capacity

Borrowers should have demonstrated ranching or agricultural experience and the capability to manage operations and debt service.

Strong Collateral

Real collateral that we can appraise and understand, with sufficient value to support conservative loan-to-value ratios.

Viable Operations

Borrowers should demonstrate that proposed use of funds supports genuine productive activity with realistic income potential.

Alignment with Values

We prefer borrowers committed to long-term stewardship and sustainable practices aligned with our approach.

Need Financing for Your Operation?

If you're a rancher or operator with real collateral and a viable operation, we'd like to discuss your financing needs.

Apply for Financing