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.

Find an ag lender in your area

Steer
Southern Region

Find Your Ag Lender

California_Orchard
Western Region

Find Your Ag Lender

Midwest_Grain_Bin_Cloudy
Midwest

Find Your Ag Lender

Oregon_Almond_Orchard
Northwest Region

Find Your Ag Lender

Farm agriculture field with Picacho Peak in distance, Tucson Arizona. High quality photo
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

Image of a branch of a citrus tree with foliage and tangerines on the background of a garden
Southeast Region

Conterra Ag Lender in the Southeast Region

View More
American Farmer 2
Play Video
“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
Agricultural Financial Statements

THE POWER OF FINANCIAL STATEMENTS: IMPROVED AG OPERATION EFFICIENCY

Agriculture is subject to cyclical changes in a variety of financial factors such as markets, land values, and input costs. Regular financial statement reviews enable farmers to adapt their strategies in response to changing conditions, identifying areas for improvement, enhancing overall operational efficiency.

Read More »
Financial Statements Across Farming Operations

ONE SIZE DOESN’T FIT ALL: NAVIGATING FINANCIAL STATEMENTS IN AGRICULTURE

Different types of farming operations, whether focused on crops, livestock, or a combination, have specific considerations in financial statement analysis. Understanding the intricacies is important for farmers and financial experts alike, as it forms the foundation for a nuanced and effective approach to financial statement analysis.

Read More »
Farm Loans Finding an Ag Lender

Expert Tips for Choosing an Ag Lender

Securing a farm and ranch loan from a knowledgeable agricultural lender can be an important step in ensuring the success of your farming operation. Each farming or ranching operation is unique, and the right loan options should be tailored to your unique needs, goals, and risk tolerance.

Read More »
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.

Read More »
Credit Scores and Ag Loans

WHY AG LENDERS LOOK AT CREDIT SCORES

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.

Read More »