Loan Purposes

Real Estate Purchases and Improvements
Long-term loans are made for real estate purchases, debt consolidation, improvements, country homes and agribusiness facilities. Land financing is our specialty. Whether you are purchasing a remote hunting ranch or a few acres just to relax on , we will custom-tailor your loan to meet your circumstances. We understand the complexities of financing rural property, including rural appraisals and title searches.

Machinery, Equipment, Vehicles and Breeding Stock
Intermediate-term loans (3- to 7-year amortization) are available for farm improvements, debt consolidation and purchase of machinery, equipment, vehicles and breeding stock.

Short-Term and Revolving-Line-of-Credit Loans
This includes working-capital loans for general operating expenses such as labor, feed, crop inputs and other expenses, as well as accounts-receivable loans and commodity loans to cover short-term cash-flow deficits and to enhance orderly marketing.

Agribusiness Loans
Both term and operating loans are available to finance agricultural processing and marketing facilities, such as packing houses and cotton gins, as well as farm-related services, such as transportation of farm products. Loan purposes include sites, structures, improvements, equipment and working capital. Additionally, we specialize in timber loans. We offer revolving lines of credit to allow buying and selling tracts of timber for harvest. Customers repay the note as the inventory is sold, and interest is paid annually.

Country Home Loans
Term loans are made for the purchase, construction, remodeling and refinancing of country homes. Eligible homes must be located in rural areas or in towns with populations under 2,500.