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Agricultural Lending

photo: Western Belle Photography

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Lines of Credit: Our operating lines of credit have competitive rates, attractive fees, and can be used for a variety of operating needs. 
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Term Loans: Leverage our intermediate to long-term loans to purchase equipment, machinery, or make land acquisitions.
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Farm Equity Line of Credit (FELOC): Secured by real estate, this unique line of credit allows for longer draw periods at attractive rates. 
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USDA FSA (Farm Service Agency) Loans: Great for beginning farmers to experienced, FSA offers a variety of loan opportunities that can be used for Ag operations, equipment, livestock, land or real estate, at attractive rates.

Founded in Ag Lending, Honoring our Roots

High Plains Bank has been rooted in agriculture since the bank's founding in 1908. We know first hand what it is like to be unsure of what Mother Nature will bring, or how the markets will move. We are here to support our customers through the good times and the challenging ones.

High Plains Bank is a rock solid partner for your farm or ranch business, whether you are starting out, or have been in the industry for generations. We understand the risk in today's agriculture environment and believe every farmer and rancher should have access to capital and purchasing power at every part of the season. Our Ag Lending team, with a combined 100 years of production experience, will work with you to ensure a smooth and timely financing process so you can stay focused on the field. 
photo of Jory and Tyra Drager
I can't express my admiration enough for High Plains Bank. The entire staff consistently goes the extra mile for their customers. Many of the staff members we've come to know since we began banking there are still on board and have become our friends. We've enthusiastically referred many individuals to High Plains Bank, and the only feedback we've received is that they wish we had introduced them sooner! High Plains Bank's decision-making is grounded in common sense, and they possess a comprehensive understanding of various sectors, including agricultural business, equipment, and real estate.
-Jory and Tyra Drager, Drager Well Works & River Sand Ranch
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Manage Your Business Finances Quickly and Securely

Let Our Skilled Team Tailor an Efficient Solution for You

Meet Our Dedicated Ag Lending Team

Esther Lingo photo
Esther Lingo
Gail Stencel photo
Gail Stencel
Jake Allacher photo
Jake Allacher
Kirk Holwell photo
Kirk Holwell
Krista Gibson photo
Krista Gibson
Photo of Wade Yoder
Wade Yoder

*Loan approvals subject to credit approval and program guidelines.

Klinton photo

We had a quick, painless transfer of accounts, without any in-person contact. Friendly, helpful service, very professional. It makes a guy feel at ease knowing a bank stands behind an agriculture and cattle community.

-Klinton Kramer, Kramer Kustom Hay

Ag Lending FAQs

Every loan process is unique; however, generally you will need to provide the following documentation:
* Please do not share personal data via email. You can request a secured link from your loan officer when you are ready to share the above documents. 
Check out our amortizing loan calculator to help estimate payments on your potential loan. We also have a variety of other financial calculators available for your convenience. As always, if you have any questions or require guidance on a loan process, feel free to reach out to one of our lenders! 
You can find futures quotes from the CME Group here: 
You can find local cash bids and futures quotes for grain from Flagler Cooperative Association here:
You can find market reports for cattle at Brush Livestock Exchange here: 
* Note: CME Group, Flagler Cooperative Association, and Brush Livestock Exchange are third party companies not affiliated with High Plains Bank. High Plains Bank does not require the use of these companies. The quotes, bids, market reports, etc. listed are for informational purposes only. 
High Plains Bank offers online and mobile banking tools to help you manage your finances wherever you are through our HPBGO platform! Here are some helpful links to get started. 
Have additional questions? Check out HPBGO Tutorials page or connect with our team here!