Securing Loans for Agritourism Ventures: Turning Your Farm Into a Destination
Introduction
For many farmers, diversifying beyond traditional agricultural production has become a necessity for supplementing cash flow during off-season periods and providing extra income. One increasingly popular way to support farm revenue is through agritourism.
Agritourism welcomes visitors onto your land for a range of experiences — whether that’s a weekend farm stay, a pick-your-own pumpkin patch, or a wine tasting with a view. It blends farming and hospitality, helping rural communities share their stories and sustain their livelihoods.
If you’re considering agritourism, a loan tailored to these ventures can help bring your vision to life.
Understanding the Concept of Agritourism
Agritourism includes activities that bring visitors to a farm, ranch, or other agricultural property for education, entertainment, or recreation. Examples include:
- Farm stays and bed-and-breakfasts
- Petting zoos, hayrides, and corn mazes
- Vineyard tours, cider tastings, or on-farm dinners
- Workshops or classes on farming, cooking, or natural resources
- Events and weddings in scenic rural locations
- U-pick operations for pumpkins, fruits, and flowers
For small farms, agritourism can create a reliable revenue stream while strengthening community connections.
Learn more about agricultural loans
The Role of Horizon Farm Credit in Agritourism Ventures
Horizon Farm Credit works with farmers across Delaware, Maryland, Pennsylvania, Virginia, and West Virginia to help them explore new income opportunities while staying rooted in agriculture.
Whether you're building cabins, renovating a barn, or investing in marketing, Horizon provides tailored financial solutions designed for working farms.
The Benefits of Agritourism Loans from Farm Credit
- Financing built for agriculture – We understand the seasonality and unpredictability of farm income.
- Flexible terms – Including interest-only payment options during construction/startup periods.
- Local decision-making – Work with Ag Relationship Managers who live in your region.
Preparing Your Agritourism Loan Application
Before applying, gather the following:
- A business plan for your agritourism concept
- Construction or renovation estimates
- Historical farm financials and projected agritourism revenue
- Permitting or zoning approvals
- Collateral details
How to write a farm business plan
Tips for a Successful Agritourism Loan Application
- Be specific about what the loan will fund.
- Know your audience and show your market research.
- Plan for the off-season to demonstrate sustainable cash flow.
- Account for insurance and permitting early in the process.
- Detail all income streams your project will generate.
Turning Your Farm into an Agritourism Destination
Successful agritourism operations often start small and expand. Ideas include:
- Hosting events, tastings, or workshops in existing buildings
- Partnering with chefs or creators to highlight local traditions
- Creating behind-the-scenes experiences tied to your production
- Offering seasonal attractions: fall hayrides, winter markets, spring blooms, summer concerts
Frequently Asked Questions
Do I need a fully developed business to apply?
No — a solid business plan and agricultural foundation are enough.
Can I get funding for marketing or a website?
Yes. Branding, signage, digital marketing, and booking platforms can be included.
How do I know if my property qualifies?
If your farm is in a rural community, it likely qualifies. Horizon can help confirm.
How Farm Credit Supports You
- Regular check-ins and loan servicing
- Guidance on grant programs and partnerships
- Informational resources for regulations and natural resource protections
- Accounting and consulting services
Explore accounting and consulting services
Success Stories
One Maryland grower used an agritourism loan to create a cut-your-own flower garden and picnic area. A year later, she expanded to yoga classes, food trucks, and workshops with local artisans. Funding helped cover fencing, signage, and marketing.
Thinking About Adding Agritourism to Your Operation?
Whether you’re still shaping your idea or already pricing materials, Farm Credit is here to help.