Agricultural Loans

Farmers Bank has over a century of experience in agriculture loans for people across the Magic Valley. Our operating loans are very competitive and can be tailored to fit almost any operation. 

• 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 

Farmers Bank is very flexible in finding the best terms for your agriculture loan that will 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.

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

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 agricultural loans 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)

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