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Agricultural Loans

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Sage Capital Bank understands the special needs of agricultural producers and rural homeowners. Our ag lenders are trained specialists with the knowledge and expertise to understand all facets of agricultural lending. At Sage Capital Bank, each ag loan is custom tailored to meet the individual needs of the producer and/or their financial goals. Select from one of the following loan categories and come in and meet with one of our experts to customize your loan.

Livestock

Cow/Calf

Our cow/calf program is used for the purchase or refinance of breeding stock. Loan terms are generally 1 – 5 years with payments due annually to coincide with projected calf sales.

Stocker

Our stocker cattle program is used for the purchase or refinance of cattle that will be sold in one year or less. We can set up individual notes for different lots of cattle or establish a revolving line of credit.

Feeder Cattle

Our feeder cattle program is used for the purchase or refinance of cattle that will be confined to a full feeding facility. We can set up individual notes for different lots of cattle or establish a revolving line of credit.

Poultry Facility

Sage Capital Bank is one of the leading financial institutions in the state when it comes to financing poultry facilities. We understand the poultry business and the special financing needs of poultry producers. Whether you need funds for a start up operation, retro-fit, repair or equipment upgrade, we can help.

Farm Production

Row Crop and Hay Production Loans

Our crop production program is used to finance seasonal crop production with loan maturity dates to coincide with expected crop marketing dates. For producers who choose to retain ownership of their crops, we offer commodity storage financing.

Equipment

  • Planting and Harvesting Equipment
  • Irrigation Systems
  • Processing Equipment
  • Rolling Stock

We make loans for the purchase and refinance of all types of farm and ranch equipment. Loan terms are generally 3-7 years depending on the useful life of the equipment.

Real Estate

Farm and Ranch Loans

Sage Capital Bank makes long term real estate loans for the purchase and refinance of land, construction of facilities and improvements.

Agribusiness

We make long term real estate loans for the purchase, construction or refinance of all types of agribusiness facilities including feed yards, grain elevators, cotton gins, and fertilizer or bulk fuel distributors.

Rural Homes

We have a variety of financing options available for prospective rural home owners. See one of our mortgage specialists to decide which program works for you.

Agribusiness

Agribusiness Lending

At Sage Capital Bank we offer many loan programs to meet the needs of the agribusiness industry. If your business needs financing for facilities, equipment, inventory or working capital, we are here to help.

  • Feedlots
  • Feed Mills
  • Fertilizer Sales & Distribution
  • Grain Storage and Marketing

Special Loan Programs

Farm Service Agency

Sage Capital Bank is a Certified Farm Service Agency lender. We have worked with the FSA for many years to provide financing for beginning farmers and ranchers who do not qualify for conventional loans and established operators who have suffered financial setbacks from natural disasters or economic downturns. Many applicants are also part-time farmers and ranchers who have full-time employment outside of the farm.

Programs

Farm Ownership (FO)
Purchase land, construct facilities or refinance debt

  • Loan terms up to 30 years
  • Competitive interest rates
  • Closing costs included in the loan
  • Flexible repayment programs
  • Low equity requirements
  • Loan amounts up to FSA maximum

Operating Loan (OL)
Proceeds used to purchase or lease items needed for a successful farm or ranch operation – livestock, equipment, feed, seed, chemicals, insurance and other operating expenses.

  • Loan terms up to 7 years
  • Competitive interest rates
  • Flexible repayment programs
  • Low equity requirements
  • Loan amounts up to FSA maximum

FSA Direct
We can also assist applicants who do not qualify for the Guaranteed Loan Program in obtaining a direct loan from the FSA.

Usda Loan Program

www.usda.gov

We can assist you with a rural home loan through the USDA or an agribusiness loan through the Business & Industry Guarantee Program.

Federal Agricultural Mortgage Program (Farmer Mac)

www.farmermac.com

For larger agricultural operators seeking long term fixed rate financing, we can assist you through the Farmer Mac programs.