Loans
Empowering Farmers with Flexible Financing Options
Farm Loan Solutions
Farm Credit offers customized operating loans to cover your essential farming expenses, from feed and seed to labor and living costs. Whether you're managing daily operations or planning for the next planting season, our flexible loan options—such as commitment and revolving lines—ensure you have the financial support you need. With competitive rates and easy repayment options, we're here to help you keep your farm running smoothly.
Livestock Loans
Farm Credit makes loans for the purchase, care, and feeding, or refinancing of debt on livestock. Whether you are feeding cattle or have a cow herd, we can design a loan that fits the way you operate. With a choice of variable, adjustable, or fixed rates and loan terms up to seven years, we can design a livestock loan that is right for you.
Young, Beginning, and Small Farmer Loans
We know that getting started in agriculture can be tough. That is why we have special programs to help young, beginning, and small farmers. Whether it means arranging a joint loan with the Farm Service Agency or meeting with you around your off-farm work schedule, we a here to help you make your farming dream a reality.
Equipment Loans and Leases
Farm Credit offers diverse loan and leasing options for virtually all equipment and machinery used in agriculture: tractors, combines, farm implements, dairy equipment, grain bins, above ground irrigation systems, trucks, processing and packaging equipment, and material handling equipment.
Farm Operating Loans
Farm Credit makes loans for operating inputs and expenses such as feed, fertilizer, seed, and labor as well as for such expenditures as rent, taxes, insurance, and day-to-day living. A Farm Credit operating loan can be designed to meet your specific financing needs. Your choices and benefits include:
- Commitment Line: Allows you to draw money as needed against a pre-determined amount of credit for an operating cycle. You only pay interest on the funds you use.
- Revolving Line: Just like a commitment line, but repayments restore credit availability.
- Free drafts and computer images provided on operating lines.
- Immediate credit for repayments received by daily cut-off time and loans may be repaid at any time without penalty.
Facility Loans
We can finance all types of agricultural facilities from grain storage to processing plants. Loan terms and repayment schedules are tailored to meet your individual credit needs.
Agribusiness Financing
Whether your business is selling fertilizer or custom feeding cattle, Farm Credit has the financial tools to help you succeed. See our loan officers for details on how we can help with the business-end of agriculture.
Vehicle Leasing
This special program allows you to take advantage of fleet buying discounts with Farm Credit Leasing. Pick-up or SUV leases typically have payment plans from 2 to 5 years.
Real Estate Loans
Farm Credit makes loans for the purchase, improvement, or refinancing of debt on farms, ranches, facilities, and rural real estate.
Real estate loans can be designed to meet your specific financing needs. Your choices and benefits with a Farm Credit real estate loan include:
- Loan Term: 5 to 30 years.
- Payment Plans: Monthly, quarterly, semiannual, or annual payments.
- Prepayment: Most loans may be repaid early.
- Conversion: Most loans may be converted to another interest rate product for a single conversion fee without needing to re-qualify.
- Rates: You have a choice of either variable, adjustable or fixed interest rates
Get Expert Help
Need help with financing, crop insurance, or appraisals? Fill out the form below, and one of our experts will reach out to provide personalized assistance for your agricultural needs.
Whether you're a farmer, rancher, or agribusiness owner, we're here to support you every step of the way.