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Our On the Spot loans (OTS) are a quick, easy way you can apply for an operating, equipment, livestock, or real estate loan. All it takes is a few minutes of your time to complete the application in any of our branch offices, over the phone, or online. Provided that you’re eligible and qualify you can get an approved loan in very little time. It’s fast and convenient.
Our equipment, livestock, and facilities loans are designed for intermediate-term needs (one to seven years) for vehicles, real estate, facilities, breeding livestock, equipment, and machinery. Specialized facilities/equipment can be financed for up to ten years.
These are short-term loans used to finance daily business operations. Operating Loan customers access loan funds with drafts that can be used 7 days a week, 24 hours a day. Funds may also be withdrawn online, by phone, and by visiting one of our offices. You can benefit from affordable payments, convenient funds access, and flexible loan plans.
Similar to our Revolving Operating Line of Credit, our Capital Line of Credit provides you with a revolving line of credit for purchases. Equipment, machinery, breeding livestock, real estate improvements, and other capital expenditures can be paid for with a Capital Line of Credit. Choose from several rate plan choices, gain interest savings, and get easy to read statements.
You can finance or refinance farm land purchases, land contracts, farm land improvements, and agricultural structures/buildings with our real estate loans. Vacant land, recreational land, homes, and home construction in rural, small town, or suburban areas can also be financed. Earning interest, choosing from flexible payment plans, and taking advantage of our rate conversion option are benefits you can enjoy with our Real Estate Loans.
Leasing is a great alternative to purchasing for almost any kind of new or used agricultural equipment, vehicles (medium and heavy duty trucks), grain bins, irrigation, and buildings. It also provides significant tax deductions and you can operate with newer and better equipment without straining your cash flow. Gain tax advantages, lower your financing costs, and increase your cash flow with leasing.
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