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: April 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

4.800%

(1-year term for Stocker Loans)

(1-year term for Stocker Loans)

(1-year term for Stocker Loans)
2

5.000%

$43.85

$132.09

$265.82
5

5.250%

$18.96

$57.13

$115.00
7

5.450%

$14.32

$43.15

$86.88
10

5.650%

$10.89

$32.84

$66.13
15

6.050%

$8.43

$25.40

$51.18
20

6.400%

$7.35

$22.16

$44.67
25

6.550%

$6.73

$20.29

$40.92

Renewable Rates

1 Year

2 Years

3 Years

4 Years

5 Years

4.800%

5.000%

5.200%

5.350%

5.500%