Ag Loans

Ag Banking TeamWhether you are looking to expand your operation take advantage of a new opportunity or just manage day-to-day operational expenses, we can help you access the farm financing you need. Our wide range of agricultural loans are designed to meet your unique needs at any stage of your farming operation’s life cycle. 

Operating Loans & Lines of Credit

Farm operating loans are not a "one-size-fits-all" proposition, which is why we give you a choice of operating loans designed to fit the way you produce and market. Borrow a lump sum or enjoy a line of credit that gives you the freedom to respond to changing conditions.

Equipment Loans

Upgrading machinery and equipment is a given in any size farming operation. At North American State Bank, we understand that finding the right financing package is as important as finding the right price. We can help you get the financing you need to make a step up in technology, or simply replace aging equipment. You can expect fast approval time and terms tailored to your operations needs. 

Real Estate & Construction Loans

Whether you farm full-time or part-time, when it’s time to apply for a real estate loan to change or expand your operation, it pays to work with a lender you can trust. At North American State Bank, we provide flexible financing to purchase or refinance farm land and construct or purchase out-buildings and facilities. 

Rural real estate is one of the cornerstones of our business — and it has been for over 125 years. We know farming and we will work with you to create the land loan that fits your business. 

Government Guaranteed & Participation Programs

Guaranteed loans are available to borrowers with limited capital resources. These loans are offered through the Farm Service Agency (FSA) and the Minnesota beginning farmer bond program.

Contact one of our Ag bankers today so that we can develop an understanding of your business, respond with recommendations that fit your unique needs, and become the financial resource you can trust!

For your convenience, we have included a personal financial statement on the Forms Page of our website to expedite your business loan application process. 

All credit and loan products are subject to credit approval.