Get Funding to Grow Your Ag Operation

Hundreds of producers have financed their land, operations and equipment with FBN® Finance.

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.

Farm Land Loans

Save thousands by financing your farm or ranch at a great rate with a team that knows ag.

Farm Operating Lines

Apply with an easy application and flexible terms. Revolving lines of credit start at 7.85%. Long-term operating loans start at 7.53%.

Farm Equipment Loans

Buy your next piece of new or used ag equipment from a dealer, auction, or individual. Rates start at 6.85%.

Farmland Capital

Get up to 25% of your farm’s value in cash. With no interest payments, ever.

Input Financing

Add to your Operating Line for more spending power. Get approved in 1 business day for input financing. Terms and conditions apply.

FBN Resources Library

Stay on top of your farm’s finances and maintain your operation's financial wellness with our templates and guides.

Introducing AcreVision℠

AcreVision℠ is a free farmland evaluation tool that provides farmers access to land insights. Because ideal farmland is hard to find, farmers can use this tool to see if a land parcel fits their ag goals. Start to see farmland potential more easily than ever today.

HEAR FROM OUR CUSTOMERS

Why Farmers Choose Ag Lending from FBN Finance

"The FBN financing program is streamlined," explains Jesse King of King-Ag. "It's not a lot of paperwork with the online application, [and you get] potentially an instant decision right at your fingertips." 

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.

FBN Operational Shoot Salix 2020-42
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. 

USA Spring Planting Shoot 2021 60
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.

FBN Operational Shoot Salix 2020-32

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

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

Yes. As a Farmers First company, we congratulate those who proactively refinance or pay off their loan early instead of penalizing them. 

The minimum loan amount for a land loan is $75,000 with no restriction on the maximum requested.

After you’ve requested funds, you can access them in as few as two business days. 

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.

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:

Get an instant approval** on land loans

With FBN Finance you could be approved in minutes for land loans up to $2.5 million.

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.