For us, agriculture is home. Farms and ranches surround us, and their owners are neighbors and friends. Agriculture supports our local community, and we have backed Oklahoma farmers and ranchers for over 110 years. Our roots run deep in the agricultural community, and our commitment to the industry has only deepened with time. We strive to give farmers and ranchers every commercial benefit possible, so we offer a full range of loan products with competitive rates and terms to fit all operations. Our independent ownership provides the stability needed to make us a dependable source of credit during both good times and bad, and our experienced team will give your farm, ranch, or agribusiness a level of dedication that you simply won’t find with large banks or lenders.
Agribusinesses are numerous across our service area and we have loans that will help you purchase, build, or improve your agribusiness. So whether you own a feed store or a processing facility, we have the ability to help you grow your business by providing the funding you need.
We firmly believe in offering a helping hand to young and beginning farmers and, in turn, helping our rural communities to continue to thrive.
We understand most young and beginning farmers don’t have a long financial track record, so we look at other factors that show you have the skills to succeed.
Our Beginning Farmer Loans can be used for equipment, operating, real estate or many other purposes. We work cooperatively with government programs like FSA and RFA to secure financing so you can make a strong start in your agriculture career
We are one of the largest Farm Service Agency guaranteed lenders in the state and have achieved top status of FSA Preferred Lender. This designation is only awarded to lenders that have extensive experience in agriculture lending and have performed at a certain level of excellence.
Whether you farm full-time or part-time, we provide the most flexible financing to purchase or refinance tillable farmland and construct or purchase outbuildings and facilities on your farm.
- 5 - 10 year maturities
- Consistent payments throughout the life of the loan help to manage your interest risk
- Monthly variable rates and adjustable rates at yearly intervals.
- Conversion feature lets you update your interest rate program without the added cost or time it takes to do a traditional refinance.
Upgrading machinery and equipment is an expensive necessity in farming operations of every size. We understand that finding the right financing package is as important as finding the right price. Fortunately, we can help you get the financing you need to make some upgrades or simply replace aging equipment.
Our equipment loans help you get the cash you need quickly and easily. You can expect fast approval time and terms tailored to your needs, including the ability to convert your loan to take advantage of favorable interest rate changes.
Fixed Rate Loans
Lock in a competitive rate for up to 7 years, depending on equipment type (compared to the typical 3- to 5-year lock banks offer). Set up consistent payments (monthly, quarterly, semi-annually, annually, or almost any other equal-payment plan) that help you manage your budget.
Variable Rate Loans
Choose from standard monthly variable rates and adjustable rates at yearly intervals. If rates or your needs change, our unique conversion feature lets you update your interest rate program without the added cost or time it takes to do a traditional refinance.
- Cow/calf operations
- Stocker operations
- Feedlot operations
Finance the day-to-day needs of your operation and take advantage of new opportunities with one of our farm operating loans. These loans are designed to give you access to cash when you need it and offer the added benefit of tax-deductible interest.
Operating loans also offer flexible financing options and multi-year terms, making them ideal for purchasing seed, chemicals, fertilizer, utilities, repairs, wages, and/or supplies. For longer-term assets such as land, breeding stock, equipment or new facilities, we recommend one of our real estate, equipment, or livestock loan options.
Revolving Lines of Credit
A revolving line of credit lasts one or multiple years and lets you borrow money from your operating loan account repeatedly as you pay back the balance that you owe. Operating loan funds can be accessed via an online banking, drafts, or Automated Clearing House (ACH) transfer.
Non-Revolving Lines of Credit
A non-revolving line of credit is a one-time-use loan that provides a set limit of funds to borrow when you need them. The line of credit typically lasts for one year, and is a one-time-use loan that uses an ACH transfer to access funds.
We recognize the unique needs of the agricultural customer and try to participate in any special program that will benefit farmers and ranchers. Give us a call at: (580) 874-2244 for your agriculture loan needs and questions.