Agricultural Lending

Agricultural Lending

Midwest Heritage planted its roots in agricultural lending more than 90 years ago and we continue to service farmers to this day. Our mobile lenders bring the bank to you at your convenience with flexible lending terms and options. 

At Midwest Heritage we offer a variety of commercial agriculture loan options, including the following:

  • SBA Loan Programs (SBA Express, SBA 504, SBA 7A)
  • Business Lines of Credit
  • Business Term Financing
  • Equipment Loans

Agricultural Lines of Credit

Farm Service Agency Guaranteed Loans

At Midwest Heritage our lenders have grown up on a farm and have years of agricultural experience. They don’t just want to get your business - they want to understand your operation and get to know you. We know that you are busy, therefore, our lenders have trucks instead of offices and come to you at your convenience. This also gives us the opportunity to see your operation in person and learn more about how we can help you.

Midwest Heritage utilizes Farm Service Agency guarantees for farm ownership, cattle, and equipment loans which may not qualify for direct bank loans. This allows us to better serve the young, beginning and small farmers that may not meet our normal underwriting criteria. Guarantees can also be used if you are looking to expand your acreage or buy your first farm and do not have the normal 20% to 30% down payment. Your down payment requirement can be as little as 10% in cash or other equity.

Livestock Loans

Machinery & Equipment

We can finance everything from cow-calf operations, to feeder cattle loans and we have the ability to work with unique situations to help independent farmers as well as large businesses.  Plus, we offer flexible payments tailored to the cash flow of your operation.  At Midwest Heritage, we offer agriculture machinery and equipment financing options with flexible terms and competitive rates to help you purchase new equipment or machinery. We take the time to get to know you, learn more about your operation and are committed to helping you maximize your productivity and profits.

Get in Touch Today!

Ag/Commercial Lending - General

    Fast Facts

    Our clients receive a dedicated Commercial Lender who will work hard to understand their business in order to best serve their lending needs.

    We offer a full suite of depository and treasury management products and services.

    Between a combination of lenders, operations, underwriting and management, the bank’s commercial lending team consists of a total of 15 people.

    Meet Our Lenders