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Agriculture Loans

Every agricultural operation has unique goals, challenges, and opportunities. Whether you're financing land, equipment, livestock, facilities, or seasonal operating expenses, our agricultural lenders take the time to understand your operation and develop solutions that fit your needs. Rooted in west-central Minnesota. Serving customers wherever life takes them.

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Agriculture Loan Solutions

Lines of Credit

Agriculture operates on seasonal cycles, and cash flow often fluctuates throughout the year. Our agricultural lines of credit provide flexible access to funds so you can manage expenses, respond to opportunities, and keep your operation moving forward.

  • Cattle
    Manage feed, health costs, and livestock purchases with a revolving line that helps smooth the ups and downs of the cattle cycle.
  • Crop Input
    Finance seed, fertilizer, chemical, and operating expenses so you’re ready when the season starts — and supported all the way through harvest.
  • Dairy
    Keep daily operations moving with dependable access to working capital for feed, supplies, and ongoing expenses — structured around the steady pace of dairy production.

Term Loans

Long-term investments require financing that supports both today's needs and tomorrow's goals. Our agricultural term loans provide predictable payments and flexible structures designed to help your operation grow with confidence.

  • Equipment
    Finance the equipment you need to operate efficiently—from tractors and combines to livestock equipment, irrigation systems, and specialty machinery. We structure financing around your operation and cash flow needs.
  • Cattle
    Whether you're expanding your herd, improving genetics, or responding to market opportunities, our cattle financing solutions can help support your operation's short- and long-term goals.
  • Dairy Cattle
    Dairy operations require consistent planning and dependable financing. From replacement animals to herd expansion, we offer solutions designed around the unique demands of dairy production.

Real Estate Loans

Agricultural real estate is one of the most important investments your operation can make. Whether you're purchasing land, expanding facilities, or refinancing existing debt, we can help structure financing that aligns with your long-term plans.

  • Pasture
    Acquire or improve pastureland with financing designed to support herd health, operational growth, and long-term productivity.
  • Crop
    Whether you're purchasing additional acreage, acquiring neighboring farmland, or refinancing existing holdings, we provide land financing solutions tailored to your operation's goals.
  • Facilities
    Build, expand, or upgrade barns, shops, cold storage, machine sheds, and other operational buildings — because the right facility can save time, protect assets, and improve day-to-day workflows.
  • Grain Storage
    Add or improve grain bins and storage systems to boost flexibility at harvest and help you manage marketing decisions with more control.
  • Commodity Feed Sheds
    Protect feed quality, reduce waste, and streamline feeding with financing for commodity storage and feed shed structures — built for the practical needs of livestock and dairy operations.

Letters of Credit

Letters of credit can help support purchases, contracts, and operational requirements while preserving working capital. Our local team provides responsive service when timing matters.
 

Work With Experienced Agricultural Lenders

Successful agricultural operations are built on strong partnerships. Our agricultural lenders understand the challenges and opportunities facing today's producers and are ready to help you plan for what's next.

Meet Our Agricultural Lending Team >>

Frequently Asked Questions About Agricultural Loans

  • Agriculture is built on relationships and long-term planning. Our team understands agriculture, makes decisions locally, and works to support producers today and for future generations.
  • We offer financing for equipment, livestock, agricultural real estate, facilities, grain storage projects, operating expenses, and more.

  • Yes. We offer agricultural real estate financing for farmland, pastureland, and other agricultural property purchases.
  • Lines of credit are commonly used for crop inputs, feed, livestock purchases, operating expenses, and seasonal cash flow needs.

  • Collateral requirements vary by loan type, financing amount, and other factors. Our lending team can discuss available options.

  • Yes. While we're rooted in west-central Minnesota, we proudly serve customers wherever life takes them through personalized service and convenient digital banking tools.
  • Our lending decisions are made locally by people who take the time to understand your situation. That means responsive service, faster decisions, and lending solutions tailored to your goals.
  • Contact one of our agricultural lenders to discuss your operation, financing needs, and available loan options.  Reach out >>
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Looking for Current Loan Rates?

Interest rates vary based on loan type, term, collateral, and other factors. Contact our agricultural lending team to discuss current rates and financing options.

Contact an Agricultural Lender >>
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