Agribusiness

Ag Term Loans

Designed for long-term investments such as land improvements, facility construction, or major equipment purchases. Offers fixed repayment terms and may include flexible structures based on seasonal income.

Operating Lines of Credit

Provides flexible, short-term funding to cover day-to-day farm expenses like seed, feed, fuel, and labor. Interest is only paid on the amount used, and funds can be accessed as needed throughout the season.

Ag Equipment Loans

Tailored for purchasing new or used agricultural machinery. These loans typically offer fixed rates and terms aligned with the equipment’s useful life. May require a down payment or collateral.

Ag Real Estate Loans

Used to purchase or refinance farmland or agricultural property. Offers long-term financing with fixed or adjustable rates. May require appraisals, title insurance, and a down payment.

Livestock Loans

Provides funding for purchasing or raising livestock. Terms and repayment schedules are often structured around the production cycle. May require detailed herd plans and collateral.

Illinois Ag Invest Program Loans & Linked Deposit Program Loans

Ag Invest Program Loans are offered through our partnership with the Illinois Treasurer’s Office. These below-market fixed-rate loans can be used to purchase equipment, secure a line of credit, purchase land, and cover construction costs.

Beginning Farmer Loans

These loans are offered through our respective partnership with various local county FSA officials and are designed to help beginning farmers overcome the increasing barriers-to-entry that they face.

FSA Guaranteed Loans

These loans are offered through our respective partnership with various local county FSA officials and can be utilized by all producers to obtain favorable terms, including long-term fixed rates and favorable loan structure.  Our lenders are exceptionally well-versed in the assisting producers gain access to this valuable set of tools.