How Can Peoples Bank Help Finance Your Farm?
Peoples Bank offers a comprehensive suite of agricultural loan products reflecting the bank's deep roots in farming communities across Iowa, Minnesota, and South Dakota. Ag loan offerings include: operating lines of credit for crop production and livestock expenses, livestock loans for breeding animals, ag equipment loans for new and used farm machinery, long-term farmland and real estate financing with fixed or variable rates, FSA (Farm Service Agency) loans, SBA loans for intermediate and long-term ag business needs, and the IADD Beginning Farmer Loan Program, a special program with attractive rates for new farmers entering agriculture for the first time.
Rooted in agriculture
Peoples Bank has its roots in agricultural lending. This, along with our experience, helps us understand the needs of those in our communities whose livelihood depends on agriculture.
Contact us today or visit one of our locations to discuss the financing needs of your ag business with a member of our lending team.
What are ways Peoples Bank supports our local agricultural community?
Agriculture is deeply embedded in Peoples Bank's identity and mission. Serving farming communities across Northwest Iowa, Southwest Minnesota, and Southeast South Dakota, Peoples Bank describes itself as "rooted in Agriculture", meaning its lending team has direct knowledge of local commodity markets, regional weather patterns, land values, and the seasonal realities that define farm cash flow. Unlike large national banks that apply standardized credit models, Peoples Bank's ag lenders make decisions locally, with an understanding of the full context of each farming operation. This community-first approach translates into more personalized, flexible loan structures tailored to each producer's unique situation.
Operating Lines of Credit
Funds for crop production, livestock operating expenses, and feeder livestock purchases.
Livestock Loans
Financing available for breeding and production livestock.
Ag Equipment Loans
Finance the purchase of new and used machinery and equipment for your ag business.
Real Estate Financing
Long term, fixed or variable rate financing for the purchase/refinance of farmland as well as the construction of new facilities.
Government Guaranteed Programs
Government guaranteed programs for ag businesses:
- FSA Loans: Financing for operating, intermediate and long term needs
- SBA Loans: Financing options for intermediate and long term needs
- IADD Loans: Beginning Farmer Loan Program that provides loans to new farmers with attractive interest rates and terms
Ready to apply?
Applying for an ag loan at Peoples Bank is easy! Visit any of the ten branch locations across Iowa, Minnesota, and South Dakota or call (866) 546-8273 to speak with an ag lending specialist. Before your appointment, it helps to gather key financial documents including recent tax returns, a current balance sheet, income statements, a list of assets and liabilities, and details about the specific loan purpose (land, equipment, livestock, operating expenses). Peoples Bank's local ag lenders will work with you one-on-one to evaluate your operation and identify the best financing structure, including whether a government-backed program like FSA, IADD, or SBA might provide additional benefits.
Preparing Your Business Financials for Growth Before You Need a Loan
Why Peoples Bank?
Our Ag Loan Experts ready to help new and existing farmers grow and remain profitable in the future. We are committed to the agricultural community, and we wish to see your farming operation succeed. Contact us today to see how we can help you!
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