From operating lines to cover production costs during the season to term loans to purchase equipment and/or land, our Ranchester and Sheridan agricultural loan experts are here to meet your needs with repayment terms that fit your cash flows.​

​As a rancher or farmer, you have enough uncontrollable worries, such as the weather and commodity prices. Let our dependable agricultural loan experts in Sheridan and Ranchester help you stay in control of your finances.​

Operating Lines

You spend money all season long in anticipation of the sale of the crop/cattle at season’s end. Operating lines cover those seasonal expenditures and are repaid from the sales proceeds. Our Ranchester and Sheridan agricultural loan specialists will assist you in preparing your annual operating budgets to determine your borrowing needs and will monitor those disbursements during the year to ensure you are able to pay off the operating line at season’s end. And as necessary, we will work with you to resolve the periodic cash shortfalls at season’s end.

Equipment Loans

You repay term equipment loans from the cash flows generated by the profitable use of that equipment. We will tailor the loan payments to match your periodic cash flows. We finance both new and used equipment loans at our Sheridan and Ranchester banks for terms ranging from 3 to 10 years depending on the life of the related equipment. Down payments of 20% are generally required unless you have additional suitable collateral to pledge.

Ag Land Loans

When you are looking to acquire land, make improvements to existing holdings or refinance existing land loans in the Sheridan and Ranchester area, we will work with you to design a financing package that meets your needs.

CONTACT AN AG LENDER

Meet our Lending Team

Rick Bertram
Rick BertramChief Credit Officer/Senior Vice President
Kerrie Bohler
Kerrie BohlerAssistant Vice President - Sheridan Branch Manager
Phil Hastings
Phil HastingsLoan Officer