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Agricultural Loans

Smart Loan Solutions for Farmers & Ag Businesses

Your farm deserves a financial partner who understands the unique challenges of agriculture. At Ultima Bank, our experienced team of ag lenders offer flexible agricultural loan solutions designed to keep your operation running and growing.
Contact Us Ag Loan Options

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Why Choose Ultima Bank as Your Ag Loan Provider?

Our agricultural loan department:

  • Provides credit for everything from spring operating needs to real estate investments or equipment purchases
  • Is staffed with specialists equipped with tools like cash flow projections, year-end analysis, and enterprise planning
  • Is a Farm Service Agency Preferred Lender, allowing us to expedite FSA Guarantee applications
  • Works closely with the Minnesota Rural Finance Authority to access state-funded programs, including Beginning Farmer, Restructure, Ag Improvement, Livestock Improvement, Ag BMP, and Stock Loan programs
  • Is a member of Farmer Mac and the Federal Agricultural Mortgage Corporation, enabling us to offer qualifying applicants fixed-rate real estate loans


Agricultural Loan Options

OptionPurposeBenefits
Equipment & MachineryUpgrade or replace essential tools for your operation
  • Improve efficiency and productivity
  • Access modern technology
  • Reduce downtime and maintenance costs
LivestockFinance livestock purchases to expand your herd
  • Grow herd size strategically
  • Improve breeding programs
  • Increase revenue potential
Operating Lines of CreditCover seasonal expenses and manage cash flow
  • Flexible access to funds
  • Helps manage unpredictable costs
  • Maintain smooth operations during off-season
Real EstateInvest in farmland or agricultural property
  • Build long-term equity
  • Expand production capacity
  • Secure future growth opportunities
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