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: July 3, 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

4.700%

(1-year term for Stocker Loans)

(1-year term for Stocker Loans)

(1-year term for Stocker Loans)

2

4.900%

$43.80

$131.95

$265.50

5

5.100%

$18.89

$56.92

$114.55

7

5.250%

$14.23

$42.86

$86.28

10

5.450%

$10.80

$32.54

$65.52

15

5.850%

$8.32

$25.08

$50.53

20

6.200%

$7.23

$21.81

$43.96

25

6.350%

$6.61

$19.93

$40.17

Renewable Rates

1 Year

2 Years

3 Years

4 Years

5 Years

4.700%

4.850%

5.000%

5.150%

5.300%