Farm Operating Loans & Lines of Credit

Agricultural Financing for Every Season

Skillful use of financial tools enables farmers to navigate challenges that arise from the seasonal patterns of the Ag industry. Working with a trusted lender provides safe financial support to sustain operations. Our agricultural lenders prioritize providing the right financial resources to empower farmers and Ag businesses. We provide access to farm operating loans to help cover expenses and farm credit lines that provide flexible financing for business growth.

Contact our Agricultural Lenders today to determine if an operating loan or line of credit is right for you. Many of our lending experts are farmers themselves and that's what allows us to provide solutions for farmers - by farmers.

Farm Operating Loans with First Bank and Trust Company

There are several benefits to working with First Bank and Trust Company to secure a farm operating loan.

Experienced Agricultural Lenders: Partner with professionals who speak the language of agriculture. Our seasoned team of agricultural lenders brings years of industry expertise to the table. Benefit from their firsthand knowledge as they guide you through the complexities of financing, providing insights that go beyond traditional banking.
Personalized Financial Guidance: Your success is our priority. Receive personalized financial guidance from experts dedicated to understanding the unique challenges and opportunities of your agricultural business. At First Bank and Trust Company, we're committed to helping you make informed decisions that contribute to the long-term prosperity of your farm.
Quick Approval Process: Time is of the essence in agriculture. Our streamlined application and approval process ensure swift access to funds when you need them most. With First Bank and Trust Company, you can count on a fast and efficient loan processing system to support your operations promptly.

Secured and Unsecured Options

Select the financing solution that aligns with your preferences. Whether you prefer the security of a collateral-backed loan or the flexibility of an unsecured credit line, our Farm Operating Loans and Credit Lines offer options that suit your individual circumstances.

Customized Loan Amounts

Your farm is unique, and so are your financial needs. Choose from a range of loan amounts that cater to the diverse requirements of different agricultural operations. Our experienced lenders work closely with you to determine the optimal loan amount for your specific goals and challenges.

Farm Operating Loans from First Bank and Trust Company are designed to serve the diverse needs of farmers, providing immediate access to essential funds. Whether you're looking to cover planting costs, purchase equipment, or manage day-to-day expenses, our farm operating loans are structured to support various aspects of your agricultural operations.

While our Farm Operating Loans are flexible, it's important to note that they are intended for operational purposes within the agricultural sector. These loans are not designed for long-term capital investments or non-agricultural purposes.

Farmers of all sizes and types are welcome to apply for our Farm Operating Loans. Whether you're a seasoned professional or a newcomer to the industry, our eligibility criteria are designed to be inclusive. Our experienced agricultural lenders will work closely with you to understand your unique needs and tailor a financing solution that aligns with your goals.

Rates - Benefit from competitive and transparent interest rates with our Farm Operating Loans. We understand the financial challenges faced by farmers, and our rates are structured to provide you with a cost-effective financing solution. Our goal is to support your operations without compromising your long-term financial sustainability.

Repayment - Repaying your Farm Operating Loan is made convenient with our flexible repayment plans. Choose a repayment schedule that aligns with your seasonal cash flow, allowing you to manage your finances effectively.

Experienced Ag Lenders

Committed to Agriculture

We are ag industry specialists who anticipate and prepare for the cyclical nature of farming. We take pride in helping those who are stewards of the land by connecting sectors of the agricultural industry, farming professionals, and their families to the financial resources they need.

Farm Line of Credit with First Bank and Trust Company

There are several benefits to working with First Bank and Trust Company to secure a farm line of credit.

Experienced Agricultural Lenders: Partner with professionals who speak the language of agriculture. Our seasoned team of agricultural lenders brings years of industry expertise to the table. Benefit from their firsthand knowledge as they guide you through the complexities of financing, providing insights that go beyond traditional banking.
Personalized Financial Guidance: Your success is our priority. Receive personalized financial guidance from experts dedicated to understanding the unique challenges and opportunities of your agricultural business. At First Bank and Trust Company, we're committed to helping you make informed decisions that contribute to the long-term prosperity of your farm.
Quick Approval Process: Time is of the essence in agriculture. Our streamlined application and approval process ensure swift access to funds when you need them most. With First Bank and Trust Company, you can count on a fast and efficient loan processing system to support your operations promptly.

Farm Lines of Credit at First Bank and Trust Company offer the flexibility needed for the dynamic nature of agriculture. These credit lines provide ongoing access to financing, allowing farmers to make necessary purchases, manage seasonal fluctuations, and cover various farm-related expenses as they arise. Whether it's acquiring inputs, handling operational costs, or addressing unexpected challenges, our Farm Lines of Credit are designed to empower you with continuous financial support.

While Farm Lines of Credit offer significant flexibility, it's important to note that they are intended for short-term and ongoing operational needs. They are not meant for major capital investments or non-farm-related expenses.

Rates - Our Farm Lines of Credit come with competitive interest rates, making it a cost-effective solution for your ongoing financing needs. Transparent and fair rates are crucial for sustaining your operations, and our goal is to provide you with a financial tool that supports your farm's growth without compromising your financial stability.

Repayment - Repaying your Farm Line of Credit is designed to be as flexible as your operations. With revolving credit, you have the flexibility to draw funds as needed and repay at your own pace. Make monthly payments based on your usage, allowing you to manage your cash flow effectively.

Farmers of all sizes and types can apply for our Farm Lines of Credit. Whether you operate a small family farm or a larger commercial enterprise, our eligibility criteria are inclusive. Our experienced agricultural lenders are here to understand your unique operational demands and tailor a Farm Line of Credit that aligns with your specific requirements.

Help

Farm Loan Tools and Resources

Starting, growing, and maintaining a farm takes planning and resources. It’s important that you make well-informed financial decisions. This is why we offer a variety of calculators, tools, and resources to help you along the way.

Tools & calculators

Other financing resources

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