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When you're in the business of farming and agriculture, you have unique financial needs — from seasonal income restrictions to purchasing and maintaining heavy-duty equipment.

At Horizon Bank, we understand the issues you face. As a locally owned institution with large, in-house lending capabilities and a broad scope of services, we're prepared to work with you. And our lending experts have the knowledge needed to find the best, most sensible solutions for your specific needs.

Farmer considering term loan with Horizon

Agricultural Lines of Credit

These revolving lines of credit help you weather seasonal income fluctuations, and can be tied directly to your checking account. Plus, you can take advantage of purchasing and early-payment discounts. This is a good solution to manage general operating expenses, such as:

  • Seed
  • Fertilizer
  • Chemicals
  • Feed
  • Commodity Hedging
  • Repairs… and more!

Agricultural Term Loans

Our term loans provide credit for a wide variety of needs. Whether you need equipment, livestock, or capital improvements, we provide flexible financing to match your cash flow. Monthly, quarterly, semi-annual, and annual payments are available to finance:


    • Machinery & equipment
    • Livestock
    • Farm vehicles
    • Irrigation
    • Grain Storage
    • Farm Improvements & More...

     

    Farmer smiling with satisfaction with his term loan
    Farmer discussing real estate plans

    Agricultural Real Estate Loans

    Real Estate loans can be used to finance or refinance farm land purchases and land contracts or build improvements.  With fixed and variable interest rate options and repayment plans tailored to your cash flow needs, you can grow with confidence.

     

    These loans are commonly used for:

    • New construction, Remodeling or repairing existing Agricultural buildings
    • Purchasing land
    • Business Expansion
    • Drainage & Tiling 



    Manage your finances with these helpful options.

    Business Checking Solutions

    Horizon Bank has a variety of business checking account options to fit your needs.

    Wire Transfers

    Send money whenever you need to, wherever you need to, across the U.S. and around the world.

    Business Credit Cards

    Horizon offers a variety of payment options — from the most basic, to those that reward you for every purchase, to cards with enhanced spending controls and robust reporting.

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    This free software runs in the background as an extra layer of protection to help avoid becoming a victim to online fraud.

    female farmer in field

    Talk to an agricultural loan advisor.

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