AG LOANS & LEASING PROGRAMS

HIGH PLAINS IS FOCUSED ON THE AGRICULTURAL INDUSTRY

Agriculture is the only industry we serve here at High Plains Farm Credit. We offer a broad range of ag loans and leasing options for farmers throughout Kansas and the surrounding states, supported by a team of knowledgeable and experienced professionals. We understand farming and will take the time to understand your business and credit needs to work for your success.

Here are just some of the benefits of using High Plains Farm Credit as your lender:

  • Competitive rates and products. Fixed, variable, or a combination of both.
  • Expert, on-farm service. You will work with a relationship lender who knows the ins and outs of agricultural businesses and will take the time to thoroughly understand your operation and its credit needs.
  • Flexible terms. We tailor our loan and repayment plans to a variety of interest rate programs, depending on the loan’s purpose, repayment terms and the flexibility you need.
  • Reliable credit. We offer revolving and non-revolving lines of credit to fit your business needs. And we pride ourselves on being a consistent source of credit through all agricultural cycles.
  • Loan, lease analysis. Your loan officer will help you analyze the pros and cons in your decision between choosing a loan or a lease.
  • Commitment to agriculture. As owners of High Plains Farm Credit, our customer-stockholders share in the financial success of their financial cooperative. We have a record of returning a percentage of earnings as a patronage dividend.

Ag Loans and Lease Programs

High Plains Farm Credit offers ag-focused mortgage and commercial loans designed to provide flexibility for your cash management needs.

  • Farm Real Estate Loans. We have a wide range of products for the purchase, improvement, or refinancing of debt on farms, ranches, facilities and rural real estate.
  • Operating Lines of Credit (Operating Loans). We understand the cyclical nature of agriculture.  Our loans are flexible and can be customized to meet your feed, seed, labor and fuel needs of your operation.
  • Livestock and Equipment Loans. Borrow funds for new or used equipment, grain bins, buildings, farm improvements, vehicles and livestock – all at rate options that fit the needs of your operation.
  • Agribusiness Loans. In addition to financing individual agribusiness owners throughout the Kansas area, we also handle feedlots, grain elevators, ethanol plants or any other ag processing or manufacturing company.
  • Lease Payments. Equipment and facilities can be leased to provide tax advantages and flexibility to fit your cash flow needs.
  • Easy Access to your Accounts.  Monitor your loan accounts via our online banking or mobile app.

Contact a loan officer today!

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Flexible Terms and Interest Rates for Ag Loans

High Plains Farm Credit offers competitively priced interest rate products and terms.  Our interest rates reflect current market trends because our funds come from the sale of Farm Credit bonds.  With our responsible track record, Farm Credit securities are attractive to investors and generally sell at only slightly higher rates than equivalent Treasury bills and securities. For more information about our Ag Loans or other financing services, contact us today!

Fixed Rate Loans

Fully fixed rate to maturity loans with various prepayment options.  Available in 30-day to 30-year long periods.

Variable Rate Loans

Interest rates may change monthly based on the cost of short-term money.  Available in 1- to 30-year terms.

Variable Indexed Loans

Typically one-month rates indexed to either New York Prime or LIBOR (London InterBank Offered Rate).  Available in 1- to 30-year terms.

Adjustable Rate Loans

Interest rate is typically fixed for a one-, three-, or five-year period.  Available in 5- to 30-year terms with rate “caps” to protect you from excessive rate increases.

Fixed to Variable Loans

Interest Rate is typically fixed for a five- or ten-year period, then subject to reprice monthly according to our variable rate loan program.  Available in terms up to 30-years.

Loan Conversion Options

When interest rates or circumstances change, you can convert existing ag loans to lower interest rates or other available products offered by the Association.

READY TO GET STARTED?

If your farming operation is looking for a partner to provide flexible and affordable financing options, we’d love to hear from you. Get in touch today and let our ag lending experts share how we can help.