For U.S. farmers, ranchers & rural property owners

Bare land and unpermitted structures financing.

A focused starting point for exploring a rural property whose land, structures, or local compliance story does not fit a standard description.

Start an anonymous scenario

No account required · Choose a property type and describe the context

Third-party program context

Public program context, kept separate from C 45 information.

The supplied research snapshot describes general USDA FSA and SBA considerations. These points are not C 45 Group eligibility rules, approval criteria, rates, terms, or promises.

01

USDA FSA authority may include farmland and farm structures.

USDA Farm Service Agency authority may include purchasing and developing farmland and buying farm structures. Eligibility remains subject to applicant, agricultural-use, credit, and collateral standards, along with the applicable program and lender review.

02

SBA commercial lending can bring collateral, equity, and insurance requirements.

SBA commercial loans at or above $50,000 generally require collateral. Start-up or change-of-ownership projects generally require a 10% equity injection. SBA lending carries hazard and flood insurance requirements, plus life-insurance requirements in some businesses where a principal’s active participation is essential.

Property and local-compliance considerations

The property condition can shape feasibility.

These are practical cautions for describing a complex property, not absolute underwriting conclusions. State and county requirements, lender policy, and the facts of the property all matter.

Property condition

Non-code-compliant buildings can add friction.

A building that is not code-compliant can face financing barriers, insurance difficulty, and reduced resale liquidity. Treatment depends on the property, lender, insurer, and jurisdiction.

Water and waste

Septic and well work belong in the review.

Septic approval and well permitting may be required even where building-code requirements differ. Existing or planned well and septic work can affect feasibility, cost, and value.

Local variation

County and state rules can change the picture.

Remediation needs and local-code changes may affect feasibility and value. Requirements vary by state and county, and a currently different code environment may not remain unchanged.

Further reading

Explore the guides for these property questions.

C 45 Group · what is verified here

The supplied research did not verify a C 45 product.

It did not verify a C 45 Group bare-land or unpermitted-structure product, eligibility criteria, rates, loan terms, approval likelihood, or timeline. This page does not promise eligibility, approval, rates, terms, speed, code-free status, insurance availability, appraisal value, or a financing outcome.

Open the scenario request

How to use the existing flow

Give the scenario enough context to be understood.

The anonymous request flow is the existing path. It does not create an account or replace the property review that a lender may require.

01

Choose the property type

Select “Bare land” or “Property with unpermitted structures.”

02

Use the context field

Describe what is on the property, the permit or code situation, and any well, septic, or remediation questions.

03

Add the local picture

Share the state, county or nearest town, intended use, amount under consideration, and timing.

Continue to the anonymous financing-scenario request