You've got it backwards. Hard assets like land, buildings (aka. your house), machinery (a tractor or your car) are all much easier to finance than businesses. A simple Google search gives a wealth of resources for someone looking to finance (aka. mortgage) land and/or property for a farm.

https://www.farmcreditil.com/Products/farm-loans

There's even government grants and loans to help:

https://www.fsa.usda.gov/resources/farm-loan-programs/farm-o...

Edit - we're on HN. If you'd ever tried to get a business loan you'd know it's near impossible for a new business without 100% collateral, which is why the entire venture capital business, and HN, even exists...

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lotsofpulp 3 days ago | parent [-]

My point is those hard assets have to be used for a business, not for price speculation (as far as I know). Your second link says:

>Farm Ownership Loans offer up to 100 percent financing and are a valuable resource to help farmers and ranchers purchase or enlarge family farms, improve and expand current operations, increase agricultural productivity, and assist with land tenure to save farmland for future generations.

What is "assist with land tenure to save farmland for future generations"? Is that speculating for future price increase?

	▲	dismalaf 3 days ago \| parent [-]
		> My point is those hard assets have to be used for a business, not for price speculation (as far as I know). Your second link says: Banks will let you finance any land if you have a way to pay for it. They'll let you mortgage some plot of land in the middle of nowhere if you have the income to pay for it. A farm is income. A future farm is a business plan. But if you want to speculate on land from the city and work an office job, yeah, they'll give you a loan for that too. > What is "assist with land tenure to save farmland for future generations"? Is that speculating for future price increase? Pretty much yeah.