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Whether working with an owner of a small operation or an owner of thousands of acres, our ag lending staff has helped our customers adapt to a changing marketplace by offering innovative solutions to unique demands. For all types of loans, no matter how large or small, you can call on the experience that we have to offer. We are here to provide you with the prompt, quality service that you expect and deserve.

Livestock Loans

  • Cow/Calf Loans – Cow/Calf loans for cattle purchases are generally structured on annual payments with payment dates to coincide with expected calf sales dates. Annual renewable lines of credit are also available to cover seasonal borrowing needs for ranch related operating expenses. Margin requirements will be determined on an analysis of individual circumstances.
  • Stocker/Feeder – Stocker/Feeder loans can either be structured on individual notes to cover specific programs, or an annual renewable line of credit can be established. Margin requirements will be determined on an analysis of individual circumstances.

Crop Production Loans
Seasonal borrowings for crop production are normally structured as revolving lines of credit with maturity dates to coincide with planned commodity sales. Margin requirements will be determined on an analysis of individual circumstances and can be met with cash down payment, equity in equipment, assignment of government payments or other types of collateral.

Agri-business Loans
We offer a variety of agri-business loans including equipment loans, working capital financing and inventory loans to meet seasonal or permanent needs. We offer dealer services such as equipment loan packages with quick turnaround times and floor plan lines for farm and ranch equipment and supplies.

Equipment Loans
We offer equipment loans for virtually any type of agricultural equipment, from row crop and ranch equipment to rolling stock to agri-business equipment. Our terms are typically 60 months with down payment requirements ranging from 20 to 30%.

Ag Real Estate Loans
We offer real estate loans for virtually any type of agricultural or agri-business purpose. We offer very low closing costs and can close the loan in less than 30 days in most cases. Our terms for ag real estate loans are typically up to 30 years with 10 to 20% down payment.

Financial Letters of Credit
We offer financial letters.

FSA Guaranteed Loans
We offer FSA guaranteed loans. All loans must meet certain qualifying criteria as established by FSA. FSA will guarantee loans for both Farm Ownership and operating purposes.

Loan Purposes

  • Farm Ownership Loans
    Guaranteed Farm Ownership (FO) loans may be made to purchase farmland, construct or repair buildings and other fixtures, develop farmland to promote soil and water conservation, or to refinance debts.
  • Operating Loans
    Operating Loans (OL) may be used to purchase items needed for a successful farm operation. These items include livestock, farm equipment, feed, seed, fuel, farm chemicals, repairs, insurance, and other operating expenses. Also, operating loans can be used to pay for minor improvements to buildings, costs associated with land and water developments, family living expenses, and to refinance debts under certain conditions.

For more detailed information contact one of our lenders at (405) 222-0550 for complete details or contact us via our secure Information Request Form.

Click here to print an agriculture loan application.

Loan Calculator
This calculator can be used for general loans. For example, you could use this calculator to estimate a monthly car payment. Please note – The calculated amount is an approximate value and may differ from the bank’s final calculation.

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