Agriculture Loans

Since 1878, Sutton Bank has helped generations of farm families to be successful. A large portion of our markets are driven by agriculture. We understand the needs and cycles of farming operations.

You've put your blood, sweat, and tears into your farm, and that means something at Sutton Bank. We'll do whatever it takes to help our ag neighbors keep their operations thriving.

Loans can be repaid with monthly, quarterly, semi-annual, and annual payments of interest and principal. They are best for entities that need short-term or seasonal borrowing.

    Summary
    • Competitive rates for a wide range of agribusiness-related needs
      • Working capital
      • Equipment
      • Livestock
      • Inventory
      • Vehicles
      • Real estate
      • Irrigation systems
      • And more
    • Variable rate loan based on Wall Street Journal prime
    • Lenders experienced in local agricultural production
    • Simple interest is billed quarterly, semi-annually or annually
    • Receive billing notices for interest and scheduled principal reductions
    • Annual personal and business financial statements and copies of federal tax returns required
    • Repayment terms customized to fit your unique needs
    • Local decision-making and processing
    • Attentive, friendly service from start to finish
    Preferred Lender Status

    Sutton Bank is a Preferred Lender for the USDA Farm Service Agency; the top status that a lender can hold in the Farm Service Agency guaranteed loan program. The designation means that we can offer more financing options and more control, by offering a more streamlined application and approval process with faster turn-around times.

    Farmer Mac Approved Lender

    Our partnership with Farmer Mac brings strong risk management to your balance sheet.

    Farmer Mac has a wide range of loan products, and we help you select the rate and terms that best match your financial needs. We complete the Farmer Mac application and approval process, and then make you a loan that Farmer Mac purchases.

    This partnership with Farmer Mac allows us to bring the financial strength of the nation's premier secondary market for agriculture right to your farm. Ask us about bringing the certainty of a Farmer Mac long-term fixed rate mortgage to your balance sheet. It's a smart choice for today's agriculture.