Partner in Business

We are a leading provider of farm loan, lease, and crop insurance products, each customized to the unique needs of your growing business. We are a member-owned cooperative that supports all segments of agriculture with reliable, consistent credit and financial services as well as industry insights and expertise. Our range of financial services includes farm loans, farm mortgage loans, equipment loans, livestock loans, beginning farmer loans and operating loans, as well as crop insurance and farm credit leasing programs.

We are a part of the Farm Credit System, a nationwide agricultural network that serves rural America by providing credit and affiliated services to farmers, ranchers, and agribusinesses. Overall, the Farm Credit System supplies the nation’s agricultural industry with nearly one third of its credit needs.

Agricultural Financing

Our flexible programs ensure we have an agriculture loan designed to help your business grow:

• Real estate purchases and improvement
• Vineyard and orchard development
• Packing and storage facilities
• Timber/Land purchase
• Livestock purchases and feed
• Production and processing equipment purchases
• Building repairs and improvements
• Construction development
• Water development and irrigation projects
• Operating expenses
• Debt refinancing

Our financing options include:

• Fixed and variable rate products with rate lock options
• Terms from 30 days to 30 years and payment options that match your cash flow
• Revolving or non-revolving loan structures

An Agricultural Cooperative — More Than a Bank

We’re much more than an ag bank — we are a member-owned co-op, and with that comes benefits you won’t find elsewhere. As customer-owners, our borrowers are able to share in our earnings, which is paid out in the form of an annual cash dividend. When you succeed, we all succeed. Find out more about our cash dividend program.

Who We Serve

• Farmers and ranchers
• Processing companies
• Large agribusinesses
• Agricultural land owners
• Farm-related service businesses

Agricultural Lending

At the core of our services are our competitively priced agricultural loans, with the following loan term options.

Your Future
Grows Here

No other lender understands the agriculture industry better. We provide valuable financing expertise, a competitive product offering, and responsive service.
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Long Term Farm Loans

Our fixed and variable rate mortgage farm loans have options tailored to your specific needs and payment schedules that can be adjusted to match your operating cash flow.

Intermediate Term Agriculture Loans

You can free up your capital with intermediate-term loans with maturities of up to 10 years.

Short Term Agriculture Loans

For your day-to-day operating needs, short-term financing can be just the solution, and is available as a budgeted loan or revolving line of credit with maturities of one to four years.

Agricultural Leasing

Agricultural operations depend on proper facilities, buildings and reliable equipment, and leasing can be an attractive way to acquire it. As an alternative to the cost of purchasing, leasing helps you stay up to date with equipment and technology, but without the large cash outlay. With no down payment required, leasing allows you to put your capital to its best use. To be eligible for our leasing programs, individuals must be owners of agricultural land or engaged in production agriculture.

What Can You Lease With American AgCredit?

• Facilities & buildings
• Solar projects
• Processing lines and equipment
• Tractors, trailers, forklifts and other vehicles
• Fruit bins
• Rolling stock
• Harvest equipment
• Packing Equipment and Bins
• Irrigation Systems
• Wine Barrels
• Greenhouse structures
• Cooling and drying equipment
• and more

Why Lease?

• Leasing requires no down payment, conserving working capital. We even offer 100% financing.
• Lease payments may be tax deductible.
• Leasing helps minimize the risk of equipment becoming obsolete.

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