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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
  • Supplies
  • Repairs… and more!

Agricultural Term Loans

These are basic installment loans, which are typically designed with one- to ten-year terms, with variable or fixed interest rates. Payments can be planned for a monthly, quarterly, semi-annual, or annual basis, to accommodate your cash flow requirements.

Term loans are useful for major purchases and refinancing on items like:

  • Machinery & equipment
  • Livestock
  • Business vehicles
  • Irrigation
  • Grain bins… and more!
Farmer smiling with satisfaction with his term loan
Farmer discussing real estate plans

Agricultural Real Estate Loans

Real Estate loans may be amortized for up to twenty years. Horizon Bank offers both fixed and adjustable interest rate options. Repayment plans can be tailored to your needs with installments made monthly, quarterly, semi-annually, or annually.

These loans are commonly used for:

  • New construction, Remodeling or repairing existing Agricultural buildings
  • Purchasing land
  • Business Expansion
  • Pattern tiling of agricultural cropland



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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female farmer in field

Talk to an agricultural loan advisor.

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