Agricultural Loans

We want to help your vision for the future come to life. We can help you get there with a term loan, line of credit, equipment leasing, and federal programs. Call, click, or come in to meet with one of our Local Ag Bankers or Contact Us.

Operating Lines of Credit
Agriculture is complex. We customize your operating line to fit your needs. So whether you are looking for a total farm operating line or just a crop input line – we are here for you!
- General operating expenses
- Crop
- Livestock
- Inventory
- 12 Month Terms with Annual Renewals
- Farm Service Agency (FSA) Preferred lender
- How to apply
  - Three years of tax returns
  - Three years of Balance Sheets including a current Balance Sheet
Real Estate Loans
- Purchase, Refinance, or Construction
- Access to secure, long-term, fixed rates
- FSA Preferred Lender
- How to Apply
  - Three years of tax returns
  - Three years of Balance Sheets including a current Balance Sheet
  - Application
Equipment Loans and Leases
- Equipment Financing
  - Your good credit will help you earn competitive rates when buying equipment. Call, click, or come in to visit with your local Agricultural Banker or Contact Us.
    - Inventory
    - Vehicles
    - New or Used Farm Machinery
    - Equipment
    - Improvements
    - How to Apply
      Three years of tax returns
      
      Current personal financial statement
      
      Cash Flow projection
  - Ask about customizable terms
- Leases
  - One method of improving your operation's cash flow is to lease necessary equipment instead of buying it outright. This saves an initial outlay for the entire cost of the equipment and spreads it over some term with a built in interest cost.
  - New farm equipment, fixed asset improvements and more!
  - Flexible, customizable terms may be an alternative to traditional financing!
State and Federal Programs
- FSA Guaranteed Loans
  - FSA Preferred Lender
  - We complete all necessary paperwork – no extra paperwork for you!
  - Your loan will be serviced locally!
  - Loan proceeds may be used for –
    - General farm operating
    - Crop
    - Livestock
    - Equipment
    - Land
    - Farm improvements
  - Eligibility requirements apply
- South Dakota Department of Agriculture Loans
  - SD Department of Ag has a number of financial assistance programs. These programs help producers by allowing the most flexible terms and rates outside the banking industry.
  - We complete all necessary paperwork – no extra paperwork for you!
  - Your loan will be serviced locally!
  - Eligibility requirements apply
- For more information call, click, or come in to meet with one of our Local Ag Bankers or Contact Us.

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