The Deal You Cannot Do Today Can Be Your Loan in five years
The LandCo Partner Network gives lending officers a way to serve their non-bankable clients, build the relationship, and keep the future loan financing in their book.
15-minute conversation. No commitment. We'll walk through how the partnership works with your compliance structure.
You can’t Write Most loans that come across your desk
Every ag loan officer has the same Tuesday afternoon. A farmer walks in. He's been renting the same ground for fifteen years. The landowner finally wants to sell. The farmer wants to buy.
The numbers don't work. Maybe the down payment is short. Maybe the farmer's debt-to-asset ratio is over your bank's threshold. Maybe the deal size is outside policy. Maybe it's just a tight credit year and your committee said no.
You want to help. But the bank can't. So you tell the farmer "come back in a couple years," knowing full well that by the time he comes back, the land will be gone — bought by an institutional investor or a neighbor who didn't need the financing.
That's a relationship lost, a deal lost, and a future refi lost. All because the bank couldn't bridge a five-year gap.
How LandCo Can Help
The LandCo Partner Network is built for exactly this situation. When you have a client who needs to buy farmland but can't get bank financing today — or a landowner client whose tenant farmer can't qualify — you refer them to LandCo for a Legacy Land Contract.
The seller finances the deal directly. The farmer-buyer puts 10–20% down, pays the balance over five years, and refinances the balloon at the end of the contract.
That refinance, five years from now, is your loan to write.
