A Lender With Perspective
A Lender with Perspective

Conterra Ag Capital

Conterra provides farm & ranch real estate secured loans to ag producers across the United States. Our regional relationship managers are strategically located across the country to work directly with our borrowers. Whether it is long-term fixed rates, development or alternative financing, we provide flexible and creative lending options for operations through even the toughest agriculture cycles. 

Conterra understands agriculture and is here to support rural America with diverse financial solutions and lending products that can adapt to the needs of today’s producers. We are a lender with perspective, working with borrowers to provide financial solutions for whatever is on the horizon.


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Two Cows in a field

Conterra offers a wide range of farm and ranch loan products designed to meet the needs of today’s farmers, ranchers and agribusiness professionals.

Conterra understands that not all borrowers look the same. We offer alternative ag lending solutions for farmers and ranchers who do not  meet traditional financing standards.

We offer farm development loans for producers looking to expand their current operation or looking to diversify production.

The Conterra Operating Loan Program is designed to provide Operating Lines of Credit (LOCs) to farmers who farm federally insured crops. 

Conterra provides loans to agribusiness facilities and leases on new or pre-owned production equipment. Loans can assist with new construction or improvements on existing facilities. 

A Revolving Line of Credit (RLOC) allows borrowers to take advantage of lower interest rates as long-term fixed rates continue to rise. Funds from this real estate secured, short-term variable rate product can be utilized however you choose.

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Southern Region

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Western Region

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Northwest Region

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Southwest Region

Find a Relationship Manager in the Southwest Region

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Great Plains Region

Find an Ag Lender in the Great Plains Region

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Southeast Region

Conterra Ag Lender in the Southeast Region

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“Agriculture is our wisest pursuit, because it will in the end contribute most to real wealth, good morals and happiness”
-Thomas Jefferson

Apply Now: Get A Fast Approval

We have a many loan products including our Rapid Application which is a credit scorecard based model designed to deliver quick underwriting decisions with a simplified application process.

I think Conterra understands agriculture better than anyone I have ever dealt with. Most lending institutions are all finance, but Conterra came and looked at the operation and saw we were doing the best we could under the circumstances."
-Conterra Borrower
Farming America Blog
Corn Crop Inspection


Crop inspections are not just routine tasks – they’re a bridge that connects your financial goals with the reality on the ground. They offer a chance to discuss the progress of your operation, address any challenges you might be facing, and align your strategies with the prevailing conditions

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Florida Agricultural Land


Farmers and ranchers in Florida are facing several challenges when financing agricultural land due to increased commercial development in the state. One of the main challenges is the rising cost of agricultural land, which has made it more difficult for farmers to secure financing. The impact of commercial development on agricultural land in Florida is a complex issue with no easy solutions.

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Renewal Concerns Nut Industry


“A couple years of low commodity prices can often cause liquidity issues and make it difficult to get operating lines renewed when a grower needs them most,” Lillie advises. “This is a good time to consider looking at your balance sheet to see if it might be time to utilize equity in your real estate to restructure debt and get your balance sheet back in shape.”

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