• Our offices are closed Wednesday, June 19 in observance of Juneteenth Independence Day. No electronic transactions are processed on the holiday.

Ag Loans and Leases

The financing you need, made easy so you can focus on farming and ranching.

Financing For All Your Needs

Ranch and Farm Financing

We finance every aspect of your farm and ranch, from operating credit lines to land loans to livestock, machinery and equipment loans. Our wide range of loan options, including terms, rates and payment schedules, are designed for agriculture's unique needs.

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Operating Line of Credit

Finance your farm or ranch with an operating line of credit that includes money-saving benefits and time-saving features you’ll find nowhere else.

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Land Loans

Finance or refinance farmland, pastures or acreages with attractive rates, ag-friendly flexibility and cash-back dividends.

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Intermediate-Term Loans

Flexible, convenient, money-saving features for financing livestock, ag facilities, eligible farm equipment and vehicles, farm improvements and more. 

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Equipment Financing

Along with options to buy, lease or refinance farm equipment, you’ll find attractive rates and the most ag-friendly terms in the business with AgDirect® financing.

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Home Loans

Get Rural 1st® financing to meet the specific needs of your rural property purchase or construction project.

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Livestock Loans

Financing for the purchase, care, feeding or refinancing of debt on livestock.

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Facility Loans

Financing for cattle and hog barns, farm storage buildings, grain bins and more.

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Ag Leases

Discover the benefits of leasing for farm storage buildings, grain bins, cattle and hog barns, farm equipment, vehicles and more.

Ranch, Farm and Equipment Refinancing

Streamlined options to help you reach your financial goals.

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Land Loan Refinancing

Refinance to find a payment that works with your cash flow, grow your operation or save money.

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Equipment Refinancing

Free up working capital and improve your operation's financial position.

Finance Your Industry

We finance all of agriculture. Whether you are a beginning producer or a large, complex agribusiness, we have the financial strength, lending options and knowledge to help you achieve your goals.  

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Beef Industry

Financing for commercial sow, nursery and finishing hog operations, including facilities, livestock and operating expenses.

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Dairy Industry

Financing for large-scale cattle operators, including cow-calf, stocker, backgrounding and feeding.

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Food and Agribusiness Lending

Specialized financing for dairy operations, including facilities, equipment, cattle and feed.

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Grain Industry

Specialized financing for grain, feed, seed, crop protection, food processing, and renewable fuels.

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Poultry Industry

Financing for all types and sizes of grain operations including large-scale, specialized and organic crops.

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Swine Industry

Financing for commercial chicken, turkey and egg operations, including facilities, equipment, operating and feed needs.

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Our Promise Pays.

Each year, since 2004, we have returned a portion of our net earnings to eligible customer-owners in the form of cash-back dividends. We share our success in a way that effectively reduces the cost of borrowing for farmers and ranchers.

Benefits of Working With Us

Your time is valuable. Our local offices and online tools make it easy for you to do business whenever and wherever you are.

Doing business with us means you share in our financial success. Our cash-back dividend program has returned a share of our income to eligible customer-owners each year since 2004. It's a unique benefit you can count on.

No two agricultural operations are the same. Your financing shouldn’t look the same either. We have flexible rates, payment plans and terms to ensure your loan is tailored to your individual needs and cash flow.

We exist to be the lender agriculture can depend on through every economic cycle. We use the good times to continually grow our financial capacity for the tough times when agriculture needs us most.

Financing rural America isn’t just one thing we do. It’s all we do. It’s the difference our customers see every day.

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Get Started

Connect with a local office or contact us for more information.