Agricultural Lending

Accomplish your growing plans with our customized farm loan solutions.

Why Security for your farm loan or agribusiness loan?

Agriculture is an evolving business with new technologies, increasing working capital requirements, and more scale than in any prior generation. Whether a crop input, inventory, farmland loan or an equipment purchase; we want to be your partner and trusted advisor. Our lenders understand Ag loans and our depth of experience allows us to understand the changing dynamics day in and day out. We’re here to listen and provide real customer service like coming out to your farm, answering the phone, returning calls and providing solutions for whatever problems come your way. It’s a relationship where we truly are Growing, together.


  • Available cash and fast, local decisions let us quickly serve a wide variety of producers and suppliers
  • Loans can be structured on a revolving, seasonal or term basis
  • Repayment can be structured to work with your cash flow
  • Customized loans are also available, and solutions can be created to meet your individual needs
  • Our depth of agribusiness experience gives us a solid understanding of your specific operation
  • We understand your schedule, so if you can’t make it in to your local branch, we’ll come to you
  • We offer one point of contact, so your banker stays with you year after year

Agricultural Land Loans

Real estate financing provides the flexibility you need and is a great way to purchase agricultural property. Whether you plans are crop production or the construction of facilities, we work with our farmers and investors to provide tailored solutions for their needs. At Security, we work with you to identify the optimal loan-to-value ratio while providing the most competitive interest rates possible. We have experience in term loans for farmland to livestock facilities including dairies, cattle, commercial feedlots, poultry, and swine facilities.

Features of real estate financing include:

  • Payment options to match your anticipated cash flow
  • Multiple term options
  • A fixed or variable interest rates

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Corn field
john deere tractor equipment

Farm Equipment Loans

Your farm needs combines, trucks and other equipment to run its operation efficiently. Equipment financing is designed to allow your farm to purchase the equipment it needs or refinance existing equipment using the equipment as collateral for the loan. We want to move quickly so you can get back into the barn or out in the field where the real money is made.

Features of equipment financing include:

  • Payment options to match your anticipated cash flow
  • Multiple term options
  • A fixed or variable interest rates

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Farm Service Agency (FSA Loans)

At times, Security Bank & Trust Co. has the opportunity to work in close cooperation with the local Farm Service Agency (FSA) office to make loans more bankable for our Ag customers.

Guaranteed Ownership Loans

Guaranteed Farm Ownership Loans may be made to purchase farmland, construct or repair buildings and other fixtures, develop farmland to promote soil and water conservation, or to refinance debt.

Guaranteed Operating Loans

Guaranteed Operating Loans may be used to purchase livestock, farm equipment, feed, seed, fuel, farm chemicals, insurance, and other operating expenses. Operating loans can also be used for minor improvements to buildings, costs associated with land and water development, family living expenses, and to refinance debts under certain conditions.

Beginning Farmers Loans

FSA makes and guarantees loans to beginning farmers who are unable to obtain financing from commercial lenders. Loans are available for farm ownership and operations. There are also programs to assist socially disadvantaged and beginning farmers in purchasing a farm and FSA works with retiring farmers to use this program to transfer their land to future generations.

We’ll navigate and discuss what you feel is the best option.

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