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Tailored financial solutions
We understand how the cycles of farming can affect your business. Give your local AgWest branch a call today, and we will work with you to tailor a loan that fits your operational and cash flow needs.
Operating lines of credit
We offer both revolving and non-revolving lines of credit.
Revolving operating lines allow you to borrow and repay funds as often as needed. This loan provides maximum flexibility to choose the amount and type of expense to finance. You can also conveniently access funds via electronic funds transfer (ACH and wire) and credit line drafts.
| Product Details | |
|---|---|
| Collateral | Operating loans are typically secured by a first lien position on the assets being financed (crops, livestock held for sale and breeding livestock). |
| Rates | Variable rates, fully prepayable with no prepayment fee |
| Terms | 1-3 years* |
Ag equity lines of credit
Ag equity lines of credit allow you to use the equity in your agricultural real estate to make capital and operating purchases. Replenish your credit line as you pay down the principal amount, or consider using the ag equity line to replace annual operating lines of credit.
| Product Details | |
|---|---|
| Collateral | Ag equity lines of credit are secured with real estate collateral. |
| Rates | Variable rates, fully prepayable with no prepayment fee |
| Terms | 10 years* |
| Other benefits | No minimum draw amounts or limit on the number of times you can access funds during the year. |
| Flexibility to match the repayment schedule to your cash flow | |
| Can be used for capital purchases and expansions | |
| Convert to a standard, amortized loan at any time | |
| Funds can be accessed through credit line drafts, online banking or your local branch. |
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