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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“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."
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
Developing a long-term ag financing plan is important for growth and expansion of your farm and ranch operation. By assessing your financial situation, setting clear goals, identifying loan options, and developing a long-term plan, you can position your operation for long-term success.
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.
“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.”