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Loan Types and Terms to Know
We offer a range of financial products designed specifically for agriculture.
Across southern Colorado, we help farmers, ranchers, and agribusinesses accomplish things like the following:
Expanding a crop or livestock operation
Transitioning land between generations
Managing operating costs through a volatile season
Purchasing or upgrading equipment
Starting a new farm or ranch from the ground up
Diversifying into agritourism, direct-to-consumer, or processing operations
Here are a few common loan types and when they might make sense
Every operation is different. Our expert loan officers are here to understand your unique situation and how we can best support you.
Real Estate Loans
These provide long-term financing for the purchase or refinancing of farmland, ranchland, or rural property. They are best for expanding acreage, transitioning ownership, or investing in land for future generations.
Operating Loans and Revolving Lines of Credit
These are short-term financing options to cover seasonal expenses like seed, feed, labor, and other inputs. These loans offer flexibility and stability by helping to manage cash flow between planting and harvest or navigate year-to-year variability. Operating loans can also be helpful in diversifying revenue streams or expanding beyond primary production.
Equipment & Livestock Loans
Equipment and livestock loans provide financing for machinery, vehicles, irrigation systems, or livestock purchases. These types of loans are purpose-made for things like upgrading equipment, scaling production, or improving operational efficiency.
Young, Beginner, Small Farmer Programs
These programs provide specialized financing options for those new to agriculture. They are designed to get new farmers started with the right financial structure and support from day one.
Rural Home & Land Loans
Rural home and land loans provide financing for rural residences or recreational land tied to agricultural lifestyles. These loans may be a good option if you’re living where you work, investing in rural property, or using rural land for hunting or other recreational activities.
Insurance & Risk Management Support
In addition to agricultural financing, we offer purpose-built insurance products to protect your operation against weather, market, and production risks.
Questions to Consider
Before choosing a loan, it helps to step back and look at the full picture. Start by asking yourself the following. They will help you prepare to speak with a loan officer.
You don’t need to have all the answers, but having a starting point helps us guide the conversation to the best options for your operation and goals.
What best describes your operation today, and where do you want it to be in 5–10 years?
What are you looking to finance? (Land, equipment, livestock, operating costs, etc.)
How soon do you need funding?
Where is your operation located?
How does this investment fit into your long-term plan?
What risks or uncertainties are you trying to manage?
Are you planning for growth, diversification, transition, or stability?
Who else is involved in decision-making (family, partners, stakeholders)?
Key Inputs
When evaluating loan options, we consider several factors to understand your operation and structure financing appropriately:
Operation Type
Crop, livestock, mixed-use, agribusiness, rural residence, or recreational real estate
Use of Funds
Land, equipment, livestock, operating expenses, improvements, or risk management tools
Operation Size
Acreage, herd size, production scale, or revenue range
Borrower Type
Individual, family farm, partnership, LLC, or cooperative
Experience Level
Beginning producer, transitioning operator, or established operation
Financial Position
Income history, existing debt, cash flow, and working capital
Collateral & Assets
Land, equipment, or other assets used to secure financing
Timing & Seasonality
Planting, harvest, or production cycles that impact repayment structure
We will also consider factors such as
Succession or transition planning
Diversification or new revenue streams
Regulatory or environmental factors
Insurance and risk management coverage
We look at more than just numbers. We look at how your operation works, your vision for its future, and the financial support it needs to endure.
Ready to talk? Reach out to speak with a loan officer
