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.


orchard mountains small
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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Find Your Ag Lender

Northwest Region

Find Your Ag Lender

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Southwest Region

Find a Relationship Manager in the Southwest Region

Combines Great Plains
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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Eastern Cornbelt

Conterra Ag Lender in the Eastern Cornbelt

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Delta Region

Conterra Ag Lender in the Delta 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
Delta Agriculture Solutions


Agriculture in the Delta Region is currently facing significant hurdles. Rising production costs, increased interest rates, and tightening access to operating capital require careful management and strategic planning. By leveraging both traditional and alternative lending products and focusing on strategic management, farmers in the Delta Region are able to transform challenges into opportunities for growth and sustainability.

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Farm Optimism Amidst Turbulent Economic Conditions


Given current economic conditions, agricultural operations are facing a series of significant challenges. According to Luke Schultz, Conterra Great Plains Relationship Manager, several key economic indicators are performing below expectations, and inflation continues to rise unabated.

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American Farmers Under Stress


The current agricultural landscape in the United States is characterized by several factors contributing to a stressed environment for farmers and ranchers. Low commodity prices persist across various agricultural sectors, driven by oversupply, changing global demand dynamics, and uncertainties in international trade. Concurrently, input costs are on the rise, including expenses for seed, fertilizers, pesticides, and fuel, thereby tightening profit margins, and challenging the financial viability of farm and ranch operations.

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