Agriculture

Farm, Ranch & Agribusiness

PACT finances agriculture predominantly across the Pacific Northwest. Operating land, producing acreage, permanent-crop development, processing, storage and vertically integrated operations. Each relationship is reviewed through borrower capability, land quality, water position and the plan behind the asset.

Salinas Valley, California - Row Crops

Rows of orchard trees on sandy soil running toward dry mountains — permanent-crop farmland.

Agriculture

Farm, Ranch & Agribusiness

PACT finances agriculture predominantly across the Pacific Northwest. Operating land, producing acreage, permanent-crop development, processing, storage and vertically integrated operations. Each relationship is reviewed through borrower capability, land quality, water position and the plan behind the asset.

Salinas Valley, California - Row Crops

Rows of orchard trees on sandy soil running toward dry mountains — permanent-crop farmland.

Agriculture

Farm, Ranch & Agribusiness

PACT finances agriculture predominantly across the Pacific Northwest. Operating land, producing acreage, permanent-crop development, processing, storage and vertically integrated operations. Each relationship is reviewed through borrower capability, land quality, water position and the plan behind the asset.

Salinas Valley, California - Row Crops

Rows of orchard trees on sandy soil running toward dry mountains — permanent-crop farmland.

Numbers Across Asset Classes

Sub-asset classes

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Capital Deployed

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Transaction Range

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Acres Financed

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Farm & Ranch Mortgage

Operating land, across cycles

Operating land, row crops, livestock and succession situations. Credit reflects how the operation performs across cycles. Structures are sized to the actual cash flow and capacity of the operator.

Close-up of ripe pistachios splitting on the branch in a sunlit orchard — pistachio orchard.

San Joaquin Valley, California - Pistachios

Farm & Ranch Mortgage

Operating land, across cycles

Operating land, row crops, livestock and succession situations. Credit reflects how the operation performs across cycles. Structures are sized to the actual cash flow and capacity of the operator.

Close-up of ripe pistachios splitting on the branch in a sunlit orchard — pistachio orchard.

San Joaquin Valley, California - Pistachios

Farm & Ranch Mortgage

Operating land, across cycles

Operating land, row crops, livestock and succession situations. Credit reflects how the operation performs across cycles. Structures are sized to the actual cash flow and capacity of the operator.

Close-up of ripe pistachios splitting on the branch in a sunlit orchard — pistachio orchard.

San Joaquin Valley, California - Pistachios

Agribusiness

Throughput and operator history

Processing, storage, distribution and vertically integrated operations. Underwriting reviews collateral, throughput and operator history together. The asset and the business that runs it are evaluated as one credit.

Automated processing line with stainless conveyors and chutes washing harvested crop — ag processing.

Central Valley, California - Processing Line

Agribusiness

Throughput and operator history

Processing, storage, distribution and vertically integrated operations. Underwriting reviews collateral, throughput and operator history together. The asset and the business that runs it are evaluated as one credit.

Automated processing line with stainless conveyors and chutes washing harvested crop — ag processing.

Central Valley, California - Processing Line

Agribusiness

Throughput and operator history

Processing, storage, distribution and vertically integrated operations. Underwriting reviews collateral, throughput and operator history together. The asset and the business that runs it are evaluated as one credit.

Automated processing line with stainless conveyors and chutes washing harvested crop — ag processing.

Central Valley, California - Processing Line

STRUCTURES · AGRICULTURE

How capital is structured

PACT structures agricultural credit through balance-sheet lending and capital advisory mandates, with the same underwriting standard applied at every size.

Farm and ranch mortgages

LONG-TERM · PRODUCING LAND · DEVELOPMENT

Lines of credit

5 – 10 YEAR TERMS

Transitional and bridge loans

12 – 36 MONTHS · BRIDGE

Subordinated debt

MEZZANINE

Preferred equity

STRUCTURED TO THE SITUATION

Capital advisory mandates

ACROSS THE BROADER MARKET

STRUCTURES · AGRICULTURE

How capital is structured

PACT structures agricultural credit through balance-sheet lending and capital advisory mandates, with the same underwriting standard applied at every size.

Farm and ranch mortgages

LONG-TERM · PRODUCING LAND · DEVELOPMENT

Lines of credit

5 – 10 YEAR TERMS

Transitional and bridge loans

12 – 36 MONTHS · BRIDGE

Subordinated debt

MEZZANINE

Preferred equity

STRUCTURED TO THE SITUATION

Capital advisory mandates

ACROSS THE BROADER MARKET

STRUCTURES · AGRICULTURE

How capital is structured

PACT structures agricultural credit through balance-sheet lending and capital advisory mandates, with the same underwriting standard applied at every size.

Farm and ranch mortgages

LONG-TERM · PRODUCING LAND · DEVELOPMENT

Lines of credit

5 – 10 YEAR TERMS

Transitional and bridge loans

12 – 36 MONTHS · BRIDGE

Subordinated debt

MEZZANINE

Preferred equity

STRUCTURED TO THE SITUATION

Capital advisory mandates

ACROSS THE BROADER MARKET

Sunrise over a rolling green field, captured with motion blur.
Speak with a Relationship Manager today

Discuss an agricultural transaction or allocation

Central Coast, California

Sunrise over a rolling green field, captured with motion blur.
Speak with a Relationship Manager today

Discuss an agricultural transaction or allocation

Central Coast, California