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.




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


OVERCOMING LOAN RENEWAL CONCERNS IN THE 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.”


WHY PERSONALIZED SERVICE MATTERS IN AN AG LENDER
For farmers and ranchers, not all ag lenders are created equal. It’s important to choose a lender who not only offers competitive rates and terms, but who also provides personalized service that is tailored to your specific needs.


5 TIPS WHEN PREPARING YOUR FARM LOAN APPLICATION
Preparing a successful farm loan application can be a daunting task for borrowers. However, a well-prepared loan application is important when securing financing for your


A SIMPLE GUIDE TO AG LOAN PREPAYMENT
Understanding prepayment options and terms at the onset of an agricultural loan will allow operations to be prepared for the possibility of loan prepayment.
Prepayment options for agricultural loans refer to the borrower’s ability to pay off the loan amount before the end of the loan term. Prepayment options can help reduce the overall interest paid on the loan, save money, and reduce debt.
Prepayment terms can vary depending on the lender and type of loan.


7 KEY QUESTIONS TO ASK A POTENTIAL AG LENDER
When researching farm loans, it’s important to find an ag lender who is knowledgeable about your specific type of operation and the challenges you face. One of the most important ways to evaluate potential lenders is by asking the right questions.


TO FINANCE FARMLAND OR PAY CASH FOR AG REAL ESTATE?
While paying cash for farm real estate may seem like the best option, it is possible for financing to provide several advantages. By conserving cash, taking advantage of interest rates, leveraging capital, and accessing tax benefits, farmers can improve their financial standing and position their operation for future growth.