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.
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.
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.
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.
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.
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.
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.
Sage Capital Bank makes long term real estate loans for the purchase and refinance of land, construction of facilities and improvements.
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.
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.
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.
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.
Farm Ownership (FO)
Purchase land, construct facilities or refinance debt
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.
We can also assist applicants who do not qualify for the Guaranteed Loan Program in obtaining a direct loan from the FSA.
We can assist you with a rural home loan through the USDA or an agribusiness loan through the Business & Industry Guarantee Program.
For larger agricultural operators seeking long term fixed rate financing, we can assist you through the Farmer Mac programs.
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Access all of your accounts using our Free, Convenient, and Secure Mobile Banking service.
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A Sage Capital Debit Card with ATM access makes it easy and convenient to manage and protect your spending.
We are here to provide you with only the highest quality financial information, services, and products to help you reach your goals.
We offer notary services at each of our retail locations.
For your convenience, Sage Capital Bank offers online prequalification and credit application forms for your lending needs.