Ag Loans
& Leases

Financing for every aspect of
farm and ranch operations.


From operating lines of credit, to farm and ranch land, to livestock, equipment and facilities, we finance every aspect of farm and ranch operations.
WorkSmart® Line of Credit

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

Real Estate Loans

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

Intermediate-Term Loans

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

AgDirect® 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.

Facility Loans

Flexible, convenient, money-saving features for financing cattle and hog barns, farm storage buildings, grain bins and more.


Save costs, improve cash flow and gain tax advantages with our leasing options for farm storage buildings, grain bins, cattle and hog barns, farm equipment and vehicles, and more.


This is an estimate of payments for various loan types including farm loans, land loans, ranch loans, livestock loans and ag loans. The actual loan payment amounts may vary depending on the interest rate, closing date and other factors.

"They’re always there to back us. It’s nothing for them to call me with a new idea of what I can do better to increase my bottom dollar."

Jeremy & Angie

Grain & Livestock Producers, Iowa

Jeremy & Angie


Wildfire and Hurricane Indemnity Program-Plus

The Wildfire and Hurricane Indemnity Program-Plus (WHIP+) program expands on the original WHIP program by adding excess moisture and drought to the covered perils and sugar beets to covered crops.

Producers who experienced natural disasters in 2018 or 2019 may qualify for disaster aid under the WHIP+ program, which includes:

  • Hurricanes Michael, Florence, and Dorian
  • Floods and excess moisture
  • Snowstorms
  • Tornadoes
  • Typhoons
  • Volcanic activity
  • Wildfires
  • Drought of D3 or higher severity in all or part of their county
  • Related conditions
  • Quality issues

Listen to our podcast to learn more about the WHIP+ program, including requirements, eligibility, payment structure and how to apply.


Crops, perennial trees, bushes and vines, maple tap, honeybees; recently added, sugar beets.

Includes those for which federal crop insurance, Noninsured Crop Disaster Assistance Program (NAP) or Tree Assistance Program is available.

Livestock, as well as crops intended for grazing are not covered.


Conservation compliance is required.

Payment limitation is $125,000 per person or legal entity for the 2018, 2019 and 2020 crop years combined if their average adjusted gross farm income is less than 75% of average adjusted gross income (AGI) for 2015, 2016 and 2017.

For persons or entities who derive at least 75% AGI income from farming, ranching or forestry, the payment limit is $250,000 for each of the crop years, with an overall payment limitation of $500,000 for the three crop years combined.

Producers receiving assistance through WHIP+ must buy crop insurance or NAP at the 60% level or higher on the crop paid under WHIP+ for the first two available consecutive crop years after the applicable crop year, but no later than 2022 and 2023. This does not apply to trees insured under an RMA tree policy.


WHIP payment =
expected value of the crop x
WHIP factor* –
actual value of the crop harvested x
payment factor** –
NAP payment or crop insurance indemnity

*70%-95%; see table below
**payment factor varies by state and commodity and reflects lower costs due to prevent plant or non-harvest

Coverage Level WHIP+ Factor
Uninsured 70%
CAT/NAP Basic 50/55 75%
50% - <55% 77.5%
55% - <60% 80%
60% - <65% 82.5%
65% - <70% 85%
70% - <75% 87.5%
75% - <80% 92.5%
≥80% 95%


Eligible counties can be found at Losses in a nondesignated county may be eligible if properly documented.

Apply at your local Farm Service Agency. Documentation needed to file includes FSA-894 (WHIP+ application), Notice of Loss, Acreage Report or 578 form.

If you have questions call 800-844-FARM or contact your local Farm Credit Services of America insurance team.


Crop Insurance

Crop Insurance & Grain Marketing: Are You Taking Advantage?

Crop insurance and marketing goals can work together to provide the best financial return.

Jun 24, 2019 | Crop Insurance

Earlier Haying, Grazing and Chopping Allowed, RMA Says

This change does not change what is considered an approved cover crop.

Jul 16, 2019 | Crop Insurance

Painfully Slow Crop Progress

With planting finally ended, producers now face a waiting game, with crop progress well behind normal and weather not entirely cooperating.

Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

FCSAmerica serves farmers, ranchers, agribusinesses and rural residents in Iowa, Nebraska, South Dakota and Wyoming. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.