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
Planning During Harvest

Maximize Long-Term Planning During Harvest

Planning decisions made during harvest season can significantly impact the annual outcome of farm operations. The path chosen during this period is far from one-size-fits-all and depends on various factors specific to each grower.

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Credit Scores and Ag Loans


Lenders face credit risks due to the volatility and unpredictability of the market; and they need to be confident borrowers can repay their loans, even in the event of unexpected challenges such as droughts, market fluctuations, or other industry-specific risks. As such, credit scores are an essential tool lenders use to evaluate creditworthiness and ability to repay the loan.

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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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Key Trends Impacting U.S. Agriculture


The American agricultural industry, with its rich heritage and profound impact on the nation’s history has always been at the forefront of change. To the outside, farming looks like a simple practice of planting and harvesting. However, U.S. agriculture has always been shaped by powerful trends, from cutting-edge technology to shifting consumer preferences.

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