Agriculture Loans

You can focus on farming; we’ll focus on financing.

Field & Main bankers understand the experiences & challenges you face as a farmer. We know that managing a farm requires hard work and careful financial planning. At Field & Main, we are here to help. We can build a loan solution to help you with a variety of your needs. We craft operating lines of credit, loans for equipment purchases, agricultural real estate purchase loans, real estate refinance loans, and much more.

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Agriculture Lending Options Offered at Field & Main:

Farm Operating Loans

Field & Main provides funds to qualified farm customers to help with operating expenses throughout the year. Our operating lines provide you with the flexibility to borrow money when you need it, at competitive interest rates.

Real Estate Secured Line of Credit

Field & Main Bank’s real estate secured line of credit is a great option for working capital to cover daily operating needs, equipment purchases and much more. This is a great option to use equity in your farm to get a flexible line of credit at very competitive rates.

Farm Real Estate Loans

Field & Main Bank offers the security of long-term fixed and variable rate financing options for your farm purchase or refinance. Whether a crop, cattle, or poultry farm we offer a loan solution to fit your needs.

Farm Equipment

Reliable equipment is the lifeblood of your farming operation. Field & Main Bank offers financing options for many types of agricultural equipment. We offer loans for tillage equipment, grain bins, haying equipment, and livestock.

To buy farmland

Whether you wish to grow your current farm business or are just beginning your career, a loan can help you purchase the amount of land necessary for a successful farm.

To cover maintenance and operating expenses

Land is expensive, but so is the cost of operations, maintenance, and equipment.
You can have all the land you want, but if you don’t have the proper tools and processes to operate it, you can’t farm it.

If you’re already running a successful farm, investing in and utilizing better equipment can help eliminate some time spent in the field.

How Do I Qualify for an Agricultural Loan?

To qualify for a loan, applicants must meet certain eligibility requirements, including:

Have a good credit score
Possess the capacity to pay loan obligations
Be the owner or operator of the farm in question
Not be delinquent on a federal debt

What kinds of businesses are agricultural loans limited to?

Many types of businesses and operations exist within the industrial umbrella of “agriculture,” such as food processors, food transport companies, farm equipment manufacturers, and seed suppliers. Agricultural lending is typically reserved specifically for farmers who either own their own farm or are hoping to start one.

What paperwork is required for my first ag lending meeting at Field & Main?

Bring all business documentation and financial records related to your business, as well as anything that tells your story. Be prepared to discuss any and all questions you might have regarding ag lending. We’ll do our best to provide you with concise, informative answers.

Grow Your Farm. Secure Your Future.

At Field & Main Bank, we’re more than lenders; we’re your community-focused partners. Whether you need short or long-term fixed-rate loans, we offer low-cost financing to help you achieve your farming dreams.

Why Choose Us?

Tailored Loan Solutions: From operating lines of credit to equipment and real estate loans, we have you covered.
Local Expertise: Our bankers understand the unique challenges of farming and are here to support you.
Convenient Locations: Visit us in Henderson, Cynthiana, Lexington, KY, or Evansville, IN for personalized service.

Get Started Today Call us at 1-888-831-1500 or visit any of our locations to speak with an an ag lender.

Nurture Your Farm. Cultivate Your Future. Loans, Checking, & More.

You dedicate your life to your farm, ensuring it thrives and serves your community. Empower it with Field & Main Bank’s agriculture-focused financial services.

We're here to help.

Together, we can build a solution to keep your farm business running smoothly.