OUR SOLUTIONS
BUILDING YOUR SUCCESS

LAND LOANS, PURCHASES AND EXPANSION

Heartland Ag offers a full suite of products, including long-term fixed-rate loans with favorable terms that many banks don’t offer.  

Eligible Properties:
  • Land in ag production
  • Farms and ranches
  • Agribusiness and agritourism
  • Bare land to highly improved properties

WORKING CAPITAL

Heartland Ag offers working capital when you need it with a revolving line of credit. Having access to your equity at any time during your operation cycle stabilizes cash flow, provides flexibility, and strengthens your purchasing power. Revolving lines of credit are available for parcels of bare land to highly improved agricultural properties.

  • No paydown requirement
  • Unlimited draws
  • Interest only for up to 10 years
  • Fully pre-payable without penalty

TERM LOANS AND LEASES

Heartland Ag’s financing offerings include term loans and leases designed to help you grow your business, whether for new or pre-owned machinery and equipment, new construction or existing facilities. 

Equipment Loan Program:
  • Covers new and used equipment, including specialty equipment, trucks, trailers and vehicles
  • 3-, 4-, 5- and 7-year fixed-rate options on equipment 10 years old or newer purchased from dealer or manufacturer
  • Loan-to-value ratio less than or equal to 75%
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Leasing Program:
  • Covers all types of assets, including agricultural equipment, trucks, trailers and vehicles
  • Available to production agriculture, agribusiness, agricultural manufacturers and dealers on a national basis
  • Provides true-tax and non-tax pricing and residual options 

REFINANCE, RESTRUCTURE AND CONSOLIDATION

Refinancing or consolidation may be the best option to reduce financial burden and manage debt more effectively. It can unlock working capital and improve liquidity, allowing you to recognize and take advantage of growth prospects. Heartland Ag can identify refinancing or consolidation opportunities that match your goals.

THE HEARTLAND DIFFERENCE
​CONSULTING

In addition to providing lending services that are a cut above, Heartland Ag sets itself apart by offering strategic financial consulting services that go beyond the transactional.
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Jamie Lang’s consulting partnerships with her clients are based on Heartland Ag’s core values of authenticity, integrity, loyalty and professional excellence. Jamie leverages her long record of experience and her passion for agriculture to come alongside growers, ranchers and landowners to improve their return on investment.

Consulting Services:
  • Converting permanent plantings into viable alternative agricultural uses
  • Preservation and restoration of wetlands habitats
  • Mitigation measures and conservation easements
  • Succession planning designed to protect your heirs and promote your legacy
  • Identifying strategies to persevere through credit cycles
  • Reviewing financials and providing year-end insights
  • Working with CPAs to suggest ways to offset tax liability
  • Sharing USDA grant opportunities and assisting in applications
  • Evaluating workforce needs and efficiencies