Agricultural Loans

We have a loan to fit your needs!

  • Operating Loans
  • Equipment & Vehicle Loans
  • Term Loans
  • Real Estate
  • Livestock
  • Capital Improvements

Some of the information you may need to save time in the application process include:

  • Two years of financial statements (available at the bank)
  • Three years of IRS Federal Tax Returns and State Returns or Profit and Loss statements
  • For Operating Loans, a budget of projected income and expenses
  • For Term Loans, the description of purchased item(s) and of the collateral being offered
  • Legal description and/or address of property to secure the loan.

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Agriculture Operating Loans

  • Local approval
  • Access money to pay operating expenses until commodities or livestock can be sold
  • Competitive interest rate
  • Flexible term to align with repayment
  • No interest charged until you draw funds
  • No loan origination fee
  • Draws can be made in the branch or by phone.
  • Variable or fixed interest rates 

Agriculture Term Loans

Farmers Bank is very flexible in finding the best terms to fit your needs when expanding your business, purchasing equipment, paying a major repair bill, or buying a truck.

  • Local approval
  • We try very hard to coordinate your loan to meet your specific needs and income.
  • Variable or fixed interest rates.
  • Down payment only necessary if you are hoping to minimize your risk and/or lower your interest rate.
  • No loan origination fees
  • Farmers bank has the ability to match the terms to your source of repayment.
  • Faster access to funds due to local approval.

Agriculture Real Estate Loans

Farmers Bank has been lending money for years to purchase farms, bare ground and building lots for agricultural purposes.

  • Local approval
  • Flexible terms to meet your income
  • Competitive interest rates
  • Generally, no origination fees
  • Reasonable approval and closing times
  • Flexible payment plans
  • Variable or fixed interest rates

Farm Services Agency (FSA) Guaranteed Loans

Farmers Bank offers FSA guaranteed loans to customers that might have trouble qualifying due to a lack of adequate collateral, lack of credit, or lack of financial equity. These may be operating loans, term loans, or real estate loans.

  • Local bank officer to assist you with your agricultural needs.
  • Start a relationship with a local bank rather than going directly to FSA.
  • Competitive interest rates (variable or fixed)

Additonal Requirements

  • May need resume, business history, past information of government loans, budgets, projections, an 5 years of crop yields.

Learn more about FSA programs

Contact your local branch office to set up an appointment with one of our many qualified Ag specialists!

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