Agriculture Lending

Agriculture Division

Agriculture Finance Options

Whether you’re starting, managing, or growing your business, our ag lenders have got your back at every stage. Though each business we serve has different starting points, they share a common goal: to grow – be it crops, livestock, or their farm’s footprint. Together, we can help you find the right financial resources that will allow you to achieve this goal. 

Easy, Secure Online Loan Application with Local Support

Our agriculture lenders are here to make your life a little easier. Our online application process is easy to use, offers local support and ensures your information is secure. The first step is to connect with a lender to initiate the process. Once you have connected with your local ag lender, the application process, instructions, and link can be found here.

Operating Loans

Used for crop inputs, feeder livestock, feed purchases, and general farm operating expenses. We offer flexible loan terms and payment dates matched with your commodity sales cycles.

Term Loans

Designed for capital purchases with up to a seven-year asset life, such as (breeding) livestock, machinery & equipment, vehicles, irrigation, construction, and other improvements. Loan amortization and repayment schedule are matched with asset life and the borrower’s cash flow. Interest rates may be variable or fixed.

Real Estate Loans

Customized for the purchase or refinance of farm real estate, bare farmland, recreational land, buildings, and other improvements. Our real estate loans are designed to fit your needs, with amortization up to 30 years, a variety of variable or fixed interest rates, and payment timing to match cash flow.

Young & Beginning Farmer Loans

Help borrowers get new and existing operations up and running. Financing packages are designed to meet the unique needs and goals of the borrower. Lake Ridge Bank is a “Preferred Lender” with the USDA Farm Service Agency, allowing us to provide extended amortizations, low down-payment plans, low interest rates, and flexible repayment plans. We have the resources and expertise beginning farmers need to guarantee long-term success.

Contact Your Local Ag Lender

Stephen Eager

Market President

Rene Johnson

Senior Vice President – AG/Business Relationship Manager

Lisa Higgins

Vice President – AG/Business Relationship Manager

Amy (Silver) Austin

AG/Business Relationship Manager

Kassy Ripp

Ag/Business Relationship Manager