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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.

Agriculture Financing Options

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

    Farm Land 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 Ag Finances with Horizon

    • 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.

    female farmer in field

    Talk to an agricultural loan advisor.

    New to Agricultural Finance? 

    Check out our Sensible advice articles!

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