Does a Revolving Line of Credit Loan (RLOC) meet my needs? Do you need to use the equity in your farm to purchase more farm land? Will you need all of the loan proceeds at once, or over several months? Do you need financing to develop raw land for permanent plantings? If you answered yes to any of these questions, then a Farmer Mac Farm Real Estate RLOC may be for you. Farm Real Estate Revolving Line of Credit  Guidelines: Loan-to-value up to 50% of bare land value Minimum debt coverage of 1.35:1 Debt-to-asset ratio maximum of 50% Current ratio minimum of 1.25:1 Minimum 680 credit score Minimum Loan size of $50,000 Collateral for the loan is first lien on real estate Features: Borrowing power up to 50% of your bare land value A 5-year interest-only draw period option, followed by a 15, 20, or 25-year amortization The option to renew the 5-year interest-only draw period for an additional 5 year period A 10-year interest-only draw period option*, followed by a 10, 15, or 20-year amo