A New Ag Lending Solution
FBN Finance makes it easy and affordable for family farmers to finance their operation for the next generation.
2,900+
Farmers Served
$2B
Funds Committed
90,000+
Farmer Members
Great Rates
With FBN Finance you can feel confident that you are getting a great rate. We are often able to save customers thousands of dollars thanks to our low overhead, competitive rates and nationwide network.
Apply in Minutes
Our secure and straightforward online application will save you time and provide you with the right tools to track your application's progress.
Exceptional Service
We are dedicated to family farmers. We work with growers and producers to provide creative solutions to their financing needs, approaching every farmer’s situation uniquely and never with a cookie-cutter recommendation.
Finance Products
Select a product below to get started and find your rate in minutes. Or call 866-619-3080 to speak with our loan advisor team immediately.
YOUR FINANCIAL JOURNEY
Support for Your Financial Future
FBN Finance offers a broad portfolio of ag lending products to support you through every step of your financial journey — from purchasing your first farm and hiring employees to refinancing and succession planning.
When you choose FBN Finance, you’ll gain access to experts with deep farm banking experience. You’ll work with one of our loan advisors and a team of credit analysts and loan closers, each of whom has an average of 15 years of ag finance experience. Many are even farmers themselves, uniquely positioning them to understand the financial circumstances you may be facing in running your ag operation.
BE READY TO ACT FAST
Pre-Qualify for a Land Loan
When you find farmland that suits your needs, you want to act fast. By starting your land search with pre-qualification for a land loan up to $3 million with FBN Finance, you’ll be able to move quickly once you find the right plot of farmland. Applying does not impact your credit score and remains valid for up to 180 days.
FREE EDUCATIONAL RESOURCES
Learn How to Achieve Your Financial Goals with Farm Loans
Putting Farmers First®, FBN Finance offers financial transparency that puts the power of farm financing back in your hands with free resources like a:
Land Loan Calculator offers customized land loan options to help you better plan your financing strategy when purchasing a farm, ranch, timberland, or hunting land.
Equipment Loan Calculator outlines personalized equipment loan options so you can assess the right financial move for your farm when buying new equipment, purchasing used machinery, or repairing your current equipment.
Balance Sheet Template includes guided calculations for a range of transactions, including cash flow analyses, current assets and liabilities, and intermediate and long-term payment schedules.
Start Your Loan Process Now
Start Your Loan Process Now
If you'd like to learn more about financing solutions from FBN, please complete the form below or call 866-551-3950 to speak directly with a member of the FBN Finance team today.
BLOG
Our Latest FBN Financial Insights
Click on a tile to visit our Finance blog.
How to Build a Farm Budget
A farm budget can help farmers navigate this constant decision-making and weigh alternative options to increase farm revenue. It also allows farmers to meet short- and long-term operational goals and effectively forecast for their farm’s future.
Rent vs. Buy Farm Land: Which Is Right for You?
If you’re a farmer who rents the land you operate on, the decision of whether to continue renting or purchase farm land is likely never too far from your mind. How do you know when the time is right to make the change?
How to Run a Breakeven Analysis for Your Farm
Knowing your yields and the investments you made on inputs to achieve those yields will not only put you on the path for success, it will also help your farm’s marketing strategy.
Fixed Rate vs. Variable Rates: Which is Better?
Understanding the difference between fixed and variable rates will help farmers in the market for farm land loans.
How Much to Pay Your Farm Employee
A right-hand farm employee is often worth the investment. Determining an hourly wage or annual salary for a farmhand can be complex, though, as there are several factors to consider, including your own budget.
5 Retirement Plan Options for Farmers
Retirement may affect a farmer’s personal finances as well as the family business’ finances and estate planning. The FBN Finance team is ready to help position farmers for success today and into the future.
How to Buy Land as a Beginning Farmer
Learn the pros and cons of FSA loans, seller financing, commercial loans, and Farmland Capital.
How Does the FBN® Finance Appraisal Process Work?
With a Farmers First® mindset at the forefront of everything we do, FBN Finance strives to be as transparent as possible about the appraisal process so you know what to expect when partnering with our team for your land financing.
FBN Finance FAQs
Can I refinance my land loan or pay it off early without penalty?
Yes. As a Farmers First company, we congratulate those who proactively refinance or pay off their loan early instead of penalizing them.
What is the minimum loan requirement for a land loan?
The minimum loan amount for a land loan is $75,000 with no restriction on the maximum requested.
How long does it take to receive operating line funds?
After you’ve requested funds, you can access them in as few as two business days.
What’s used for collateral for an operating line?
An operating line is secured by crops, crop proceeds, and crop insurance, or a blanket lien on all farm assets, depending on each individual farmer’s specifics.
Does farm machinery need to be bought at full retail price to qualify for an equipment loan?
No, an equipment loan can be used to purchase used equipment, upgrade or replace existing equipment, finance maintenance or repairs of current equipment, or purchase new equipment.
FBN Finance has been featured on:
Terms & Conditions
* For informational purposes only. FBN does not guarantee any savings. The market average land loan rate to which FBN compares its land loan rates was determined by averaging certain rates published by the Federal Reserve, and does not indicate the exact interest rate that the farmers had with their previous lender.
** Subject to final review and verification.