Farm Loans That Work as Hard as You Do
Farming is more than a business; it’s a way of life. At Farmers Trust and Savings Bank, we offer agricultural loans that support Iowa farmers through every season and stage of growth.
No matter if you’re planting crops, raising livestock, upgrading equipment, or purchasing farmland, our local ag lending experts are here to help. We offer flexible farm financing with competitive rates, local decision-making, and the friendly service you expect from a community bank.
Proudly serving Earling, Harlan, Woodbine, and southwest Iowa with true hometown care.
How Are Agricultural Loans Different From Business Loans?
Agricultural loans are built specifically for farms and agribusinesses. Farm loans are designed around the seasonal and unpredictable nature of agriculture.
These loans help farmers:
- Manage cash flow between planting and harvest
- Purchase land, livestock, or farm equipment
- Pay for day-to-day operating costs like seed, feed, fertilizer, chemicals, and fuel
- Invest in long-term improvements and expansion
- Recover from weather events, market changes, or other unexpected challenges
By matching repayment schedules and terms to the realities of farming, agricultural loans give producers the flexibility they need to operate confidently year-round.
Our goal is simple: help keep your farm strong today and ready for tomorrow.
Types of Agricultural Loans We Offer
Farm operations are not one-size-fits-all. That’s why we offer a full range of farm and agricultural loan options tailored to your needs.
Operating Lines of Credit for Farmers
An operating line of credit provides flexible funding for day-to-day farm expenses.
Common uses include:
- Seed, fertilizer, and chemicals
- Feed and livestock care
- Fuel and repairs
- Payroll and living expenses
- Draw funds as needed
- Pay interest only on what you use
- Reuse funds as you repay the balance
- Ideal for managing seasonal cash flow
Modern farming depends on reliable equipment. Our ag equipment loans help finance new or used machinery.
Finance items such as:
- Tractors and combines
- Planters
- Implements and attachments
- Trucks and trailers
- Precision Ag technology
Loans are structured with terms that fit your operation, and the equipment often serves as collateral.
Livestock Loans
Our livestock loans are designed for both feeder and breeding livestock.
These loans help cover:
- Cattle, hogs, and other livestock purchases
- Feed and care costs
- Herd expansion or upgrades
Rates and terms are based on the type of livestock and production cycle.
Farm Real Estate Loans
Looking to buy land, expand acreage, or improve your property? Our farm real estate loans provide flexible financing to support long-term growth.
Use real estate loans to:
- Purchase farmland or rural property
- Expand your current operation
- Improve existing buildings or land
- Refinance existing farm real estate debt
We offer competitive rates and long-term financing options.
Construction Loans for Farm Buildings
We provide construction loans for farm-specific improvements, including:
- Livestock buildings
- Grain bins
- Machine sheds
Our lenders support you throughout the entire process from the initial planning stage through to project completion and beyond.
Specialized Agricultural Loan Programs
Farm Service Agency (FSA) Loans
We help farmers access government-backed FSA loans, including:
- Farm ownership loans
- FSA guaranteed loans
FSA loans are often a great option for:
- Beginning farmers
- Farmers recovering from financial setbacks
- Producers who may not qualify for traditional credit
Funds may be used for land, equipment, livestock, feed, seed, supplies, or improvements.
Through the Iowa Finance Authority (IFA), we proudly support the Beginning Farmer Loan Program.
This program may help qualifying farmers:
- Purchase agricultural land
- Buy machinery or equipment
- Invest in breeding livestock
- Improve existing farm buildings or land
Our agricultural lending experts will work with you to confirm if you qualify.
Straightforward Ag Loans from a Local Bank
Local Agricultural Lending Experts
Our lenders live and work in the communities we serve. We understand farming in Iowa because we’re part of it.
Flexible Terms for Farm Income Cycles
Loan structures are customized to match planting, harvest, and market conditions.
Full-Service Farm Financing
From land and livestock to equipment and operating needs, we offer complete agricultural lending solutions.
Community Bank Service You Can Trust
Family-owned since 1892, with decisions made locally, not in a distant corporate office.
How to Apply for an Agricultural Loan
Applying for a loan doesn’t have to be complicated.
Getting started is simple:
- Talk with our ag lending team about your needs
- Gather basic financial information and farm history
- Review loan options and terms together
- Receive local guidance every step of the way
Our service doesn’t stop when the paperwork is signed—we’re here for the long haul.
When your farm succeeds, our communities grow stronger.
Getting Started Is Simple
To apply for a Ag/business loan, our lenders may request:
- Basic financials
- Tax returns or revenue history
- Information about your operation
- Personal and Ag/business credit details
We’ll walk you through every step and answer your questions along the way.
Frequently Asked Questions About Agricultural Loans
What can agricultural loans be used for?
Agricultural loans can be used for operating expenses, equipment purchases, livestock, land, buildings, and farm improvements.
How is an operating line of credit different from a term loan?
An operating line of credit lets you borrow as needed and repay as income comes in. A term loan provides a lump sum with fixed payments over time.
Do you work with beginning farmers?
Yes. We offer programs like FSA loans and the Iowa Beginning Farmer Loan Program to help new farmers get started.
Agricultural Loans Made for Real Farming
Whether you’re a beginning farmer or managing a multi-generation operation, the right financial partner makes all the difference.
Visit any Farmers Trust and Savings Bank location or call us today to speak with an agricultural lending expert.
