Running a successful farm operation requires more than hard work and good weather—it demands access to flexible and dependable financing. Whether you're planting a new crop, purchasing livestock, expanding your acreage, or upgrading machinery, agricultural loans can be the financial backbone of your farm. At Farmers Bank, we understand the unique challenges and cycles of farming life and are proud to support our local producers with tailored farming finance solutions.
For more than a century, Farmers Bank has served the Magic Valley’s agricultural community. Our suite of loan options is designed to help farmers and ranchers manage cash flow, invest in growth, and weather the ups and downs of the market.
Types of Agricultural Loans We Offer
From short-term operating needs to long-term investments, our loan options are built to keep your farm running smoothly.
1. Operating Loans
Operating loans cover the everyday expenses that keep your farm moving—from seed and feed to fuel and fertilizer. These loans help bridge the gap between planting and harvest, giving you access to capital when you need it most.
Benefits:
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Funds available as needed
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Flexible repayment schedules aligned with your seasonal income
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Interest-only payments until funds are drawn
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Local approval for fast turnaround
Whether you're managing crop inputs or handling unexpected costs, an operating loan ensures your farm doesn’t miss a beat.
2. Term Loans
When you’re ready to invest in new equipment, vehicles, or infrastructure improvements, term loans offer fixed or variable rate options with structured repayment plans. These loans are ideal for long-term investments that improve efficiency and productivity.
Common uses include:
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Tractors and combines
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Irrigation systems
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Livestock purchases
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Facility upgrades or repairs
Farmers Bank offers term loans with no origination fees and flexible down payment options, because we understand that every farm has different cash flow and growth cycles.
3. Agricultural Real Estate Loans
Looking to buy more land, build new facilities, or invest in your farm’s future? Our agricultural real estate loans are designed to finance land acquisitions, farm expansions, or property improvements.
Why choose Farmers Bank for real estate financing?
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Competitive fixed or variable rates
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Local underwriting and fast decisions
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Terms tailored to your repayment capacity
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No origination fees or hidden costs
With a deep understanding of rural property markets and agricultural operations, our team ensures a smooth loan process from application to closing.
4. FSA-Guaranteed Loans
Farmers Bank proudly partners with the USDA’s Farm Service Agency (FSA) to offer guaranteed loans for farmers who may not meet conventional loan requirements. These are particularly valuable for beginning farmers or those facing limited collateral or credit history.
Loan types include:
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Operating and term loans
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Real estate loans
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Beginning farmer assistance
Our team is experienced in working with the FSA to streamline your application process and help you access the financial support you need.
Supporting the Backbone of Idaho’s Economy
Agriculture is more than an industry in Idaho—it’s a way of life. Farmers Bank is proud to stand beside our local farmers and ranchers with personalized service, quick decision-making, and lending options that make sense for your operation. When you work with us, you’re not just getting a loan—you’re gaining a partner committed to your farm’s long-term success.
Let’s grow together. Contact your local Farmers Bank branch today to talk with one of our agricultural lending specialists.
FAQs
What documents are needed to apply for an agricultural loan?
Most applications require recent tax returns, a balance sheet, income projections, and information about the farm's operations or the asset being financed.
Are there loan options available for beginning farmers?
Yes. We work closely with the Farm Service Agency (FSA) to provide loans tailored to beginning farmers who may have limited credit or assets.
How fast is the approval process?
Because all decisions are made locally at Farmers Bank, we’re able to offer faster turnarounds compared to many larger institutions.
Can I choose between fixed and variable rates?
Yes. Depending on your loan type and financial goals, we offer both fixed and variable interest rate options.
Do you charge any loan origination fees?
No. Farmers Bank believes in transparent, affordable lending, and we do not charge origination fees on our agricultural loans.