Comprehensive Refinancing

Comprehensive Refinancing

Existing MASC clients that are having financial difficulties may qualify to get assistance through a Comprehensive Refinancing Loan.

What can a Comprehensive Refinancing Loan be used for?

Comprehensive Refinancing Loans provide refinancing for existing MASC Direct Loan clients in financial difficulty.

What are the Qualifications?

  • Applicants must be an existing MASC client.
  • Applicants must personally operate the farm to which the loan applies.
  • The farm must be considered potentially viable and meet security requirements.

What are the Terms and Conditions?

  • Eligible applicants of the Comprehensive Refinancing program can select any MASC fixed term at the posted rate for that term.
  • Amortization terms of up to 25 years are available.
  • Loans may be approved in conjunction with other debt restructuring using MASC’s Direct Loans.
  • The process associated with these loans may include consultations with the federal Farm Debt Mediation Service.
  • These loans are secured with real, personal, and/or other security as required.

Lending Rates

Effective: October 2, 2026

Fixed Rates

Term
(Years)

Interest
Rate

Monthly

(Amortized payment per $1,000)

Quarterly
(Amortized payment per $1,000)

Semi
(Amortized payment per $1,000)

1

5.100%

(1-year term for Stocker Loans)

(1-year term for Stocker Loans)

(1-year term for Stocker Loans)

2

5.450%

$44.05

$132.73

$267.26

5

5.700%

$19.16

$57.76

$116.33

7

5.850%

$14.50

$43.72

$88.07

10

6.050%

$11.09

$33.43

$67.37

15

6.450%

$8.64

$26.05

$52.51

20

6.750%

$7.55

$22.77

$45.92

25

6.900%

$6.94

$20.95

$42.25

Renewable Rates

1 Year

2 Years

3 Years

4 Years

5 Years

5.100%

5.400%

5.550%

5.700%

5.850%