Loans For Your Farming Operation
Operating loans assist with your farming operation expenses, each tailored to your individual needs. Operating loans allow advantages such as early pay discounts, manageable tax obligations and assistance with your cash flow needs. Access your loan by phone, mail, online or at any Banterra location. We have the expertise to help analyze the financial aspects of your operation to ensure its viability into the future. Contact your local Banterra ag lending expert today to learn more about our Operating and Production Loans. Together, we’ll build a financing plan that supports your success—today and into the future.
What Is an Operating Loan?
An operating loan provides short-term financing to help cover the essential costs of running your farm. These loans are ideal for managing seasonal expenses such as:
- Seed, fertilizer, and chemical purchases
- Livestock feed and veterinary care
- Equipment repairs and fuel
- Labor and payroll
- Rent and land lease payments
With flexible terms and competitive rates, Banterra’s operating loans give you the financial agility to make timely decisions and keep your operation running smoothly.
Why Choose Banterra for Your Ag Loan?
We’re more than just a lender—we’re your partner in agriculture. Our experienced ag lending team works closely with you to understand your operation and tailor a loan that fits your goals. With Banterra, you’ll benefit from:
- Customized Loan Structures – Designed around your cash flow and production cycles
- Cash Flow Management – Smooth out seasonal income fluctuations and maintain financial stability
Our ag lending specialists bring deep industry knowledge and financial expertise to every conversation. We’ll help you analyze the financial health of your operation, identify opportunities for growth, and ensure your farm remains viable for generations to come.
Easy Access to Your Funds
We make it simple to access your loan funds when and where you need them. Choose from multiple convenient options:
- Online Banking – Secure, 24/7 access to your loan account
- Phone or Mail Requests – Quick and easy disbursement options
- In-Person Service – Visit any Banterra location for personalized support
