Farm Loans for Farmland, Equipment and Operating Needs
Farm loans are financing options designed to help farmers purchase farmland, equipment. livestock and cover operating expenses. At Farm Credit Mid-America, we offer flexible terms designed to align with farm cash flow and support both experienced and first-time farmers throughout Arkansas, Indiana, Kentucky, Missouri, Ohio and Tennessee.
Start Your Farm Loan Application
What are Farm Loans?
Farm loans, also known as agricultural loans, are financing options designed to help full- and part-time farmers purchase land, equipment and cover day-to-day operating expenses. These loans are structured specifically for agricultural operations, which often rely on seasonal income and unique cash flow cycles.
Farm loans can be used for a wide range of needs, including buying farmland, investing in new machinery or managing expenses throughout the growing season. Because agricultural income is often tied to planting and harvest cycles, loan terms are typically designed to align with how farm revenue is generated.
Farm loans are typically used to:
- Purchase or refinance farmland and agricultural real estate
- Finance new or used equipment such as tractors and machinery
- Cover operating expenses like seed, feed, labor and inputs
- Fund improvements to existing farm property, buildings or land
- Support expansion, diversification and long-term business growth for your operation
Farm Loans Designed for How Farmers Work
As a lending cooperative owned by farmers, Farm Credit Mid-America understands the financial challenges and opportunities in agriculture. That's why our loans are built with:
- Flexible repayment options aligned with farm cash flow cycles, such as annual payments
- Competitive interest rates for short- and long-term financing
- Local service from experts who understand agriculture in your area
- Eligibility to earn patronage, through which we have returned more than $1.75 billion back to customers over the last 10 years
Types of Farm Loans We Offer
Farm loans are not one-size-fits-all. Different types of agricultural loans are designed to support specific needs, from purchasing farmland to financing daily operations or purchasing new equipment.
Who Can Get a Farm Loan?
There's no one-size-fits-all farmer, which means there's no one-size-fits-all farm loan.
Farm Credit Mid-America works with:
- Beginning farmers taking the first step
- Growing operations adding acreage or expanding production
- Established farms planning long-term investments
- Livestock and crop producers with unique needs
- Part-time farmers who farm on nights and weekend
- Land investors who rent their farmland to someone else to farm
If you're just getting started, programs like Growing Forward® are designed to help lower barriers and give you a strong foundation.
Why Farmers Choose Farm Credit Mid-America
We do more than provide farm loans. We're built to help farmers succeed.
As a farmer-owned cooperative, our focus is simple. We help farmers access the financing, resources and support they need to grow, adapt and plan for the future. Whether you're buying land, expanding your operation or getting started in agriculture, we're here to help you move forward with confidence.
What Sets Us Apart?
- Patronage† program – As an eligible customer-owner, you may share in our success through patronage. Over the last 10 years, we've returned more than $1.75 billion to our customers through the program.
- Farmer-Owned and Locally Focused – Because we’re owned by the customers we serve, our commitment goes beyond loans. We invest in local communities and support agriculture throughout our territory.
- Supporting for Beginning Farmers – Starting a farm comes with unique challenges. Through our Growing Forward® program, we help young, beginning and first-time farmers access financing and educational resources designed to help them build a strong foundation.
- Agriculture Expertise You Can Count On – Our team understands farming because agriculture is what we are focused on. We work alongside farmers every day and understand the opportunities and challenges that come with running an operation.
- Resources Beyond Financing – From webinars and industry insights to local events and financial education, we provide tools and resources to help farmers make informed decisions for their operation.
How to Apply for a Farm Loan
How to Apply
Whether you’re applying online or at a local office, we’re here to make the loan process as easy as possible.
- Gather Your Borrower Information
You can apply individually or with someone else, but be sure to have the basic information handy for both borrowers, including legal name, physical address, date of birth, social security number, farm and other income. Make sure you know your annual income and the amount you want to borrow. - Understand Collateral Requirements††
Securing your loan or lease with collateral can have a positive impact on your application approval process. Fortunately, we make it easy to use items such as equipment, livestock or inventory. - Complete our application, either online or in-person
We offer options with our loan application. You can either apply online for loans or through a local office with one of our team members.
Frequently Asked Questions About Farm Loans
A farm loan is financing designed specifically for agriculture. It can be used to buy land, purchase equipment, raise livestock or cover operating expenses.
There's no single number that determines a farm loan approval. We look at your full financial picture, including credit history, experience and the strength of your operation.
Loan amounts vary based on your goals, collateral and financial position. Financing can range from smaller operating lines of credit to large farm real estate loans.
Yes. Our Growing Forward® program is designed to help young and beginning farmers get started with flexible terms and added educational support.
Common loan types include:
Operating loans are one-year term loan that can be renewed on an annual basis.
Our intermediate term loans range up to 10 years.
Our farm real estate loans are more long-term, often 10-25 years.
You can apply online or connect with a local office to walk through your options with a financial officer.
Ready to Talk?
Ready to Talk?
* Loans and leases are subject to credit approval and eligibility. Additional terms and conditions may apply. Farm Credit Mid-America is an equal opportunity lender.
† Patronage is an annual decision made by the Board of Directors to return earnings to eligible customers. To learn more about patronage or patronage eligibility, please visit our Patronage page.
‡ Farm Credit Mid-America is an equal opportunity provider.
Farm Credit Mid-America territory includes Arkansas, Indiana, Kentucky, Missouri, Ohio and Tennessee. Arkansas includes Clay, Craighead, Crittenden, Cross, Desha (northeast of the White River), Greene, Lee, Mississippi, Phillips, Poinsett, and St. Francis counties. Missouri includes Carter, Ripley and Wayne counties. Kentucky excludes Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken counties. Ohio excludes Crawford, Hancock, Lucas, Marion, Ottawa, Sandusky, Seneca, Wood and Wyandot counties. We serve all counties in Indiana and Tennessee.
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