Sixty-seven percent of Washtenaw County farms generate under $50,000 in annual gross receipts, making conventional farm credit loans difficult to secure without a broker who understands both USDA farm loan structures and alternative commercial products. Ironcrest Lending Group connects Ann Arbor-area growers with SBA 7(a), equipment financing, and commercial real estate solutions tailored to Michigan's diversified agriculture economy.
Ironcrest Lending Group is a licensed commercial loan broker serving Ann Arbor, Scio Township, Lodi Township, Pittsfield Township, Ann Arbor Township, Webster Township, Dixboro, Saline, Dexter, Ypsilanti, and Superior Township from 5210 S State Rd, Ann Arbor, MI 48108. Call (734) 275-4683 to discuss your farm financing needs.
Ann Arbor-area farms operate in a high-cost land market where agricultural parcels compete with residential development pressure along corridors like Scio Church Road and Textile Road. Small-acreage operations growing specialty crops, running CSA programs, or operating agritourism ventures often lack the collateral scale that traditional farm credit lenders require. Washtenaw County's median farm size sits below 50 acres, and many growers diversify income through farmers' markets like the Ann Arbor Farmers Market rather than commodity sales, creating revenue profiles that don't fit standard farm operating loan underwriting models. Brokers bridge this gap by matching mixed-income operations to non-USDA commercial products that weigh cash flow over acreage.
Loan programs
Our team also brokers working capital solutions for seasonal input costs, business lines of credit for cash-flow gaps between planting and harvest, and invoice factoring for growers supplying restaurants or institutions with payment terms.
cover up to $5 million for farm ownership loans, equipment purchases, or working capital when the operation qualifies as a small business under SBA size standards. These loans accommodate diversified revenue streams common in Washtenaw County, including on-farm retail, educational programming, and value-added food production.
structures payments around harvest cycles and supports purchases of tractors, greenhouse infrastructure, coolers, and processing equipment. Lenders typically advance 80 to 90 percent of the equipment's invoice value, and the machinery itself serves as collateral, reducing the need for additional farm land loans as security.
fund farmland acquisition, barn construction, and facility upgrades. In markets like Dexter and Webster Township where development pressure inflates land prices, brokers source lenders comfortable with agricultural appraisals that reflect income potential rather than subdivision value.
A broker eliminates the trial-and-error of contacting farm credit lenders individually. We pre-qualify your operation against multiple lender appetites, present your application to institutions that fund your farm type, and translate your diversified revenue model into underwriting language. Our cost-transparency approach means you see origination fees, broker compensation, and third-party costs before you commit. We coordinate appraisals, environmental Phase I assessments when required, and UCC filings so you stay focused on planting and harvest schedules.
Explore our full range of commercial business loan options in Ann Arbor or review our SBA 7(a) loan program and equipment financing solutions. We serve clients across our complete service area in Washtenaw County.
A 12-acre greenhouse operation in Pittsfield Township generating $180,000 annually through bedding-plant sales and a small CSA needed $120,000 to add automated benching and a second hoop house. The owners approached their farm credit loan provider but were declined due to insufficient collateral after a recent land-value appraisal came in below purchase price. We brokered an SBA 7(a) loan using the business's three-year cash flow and personal guarantees, securing $125,000 at a 10-year term. Transparent closing costs totaled 3.75 percent, and the owners understood every line item before signing. The expansion increased spring revenue by 40 percent within the first growing season.
Serving the Ann Arbor area
We know which lenders fund which kinds of Ann Arbor businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
