Ag Banker Webinar Recording

Our latest Ag banker webinar recording is now available.

Producer Webinar Registration

Producer Webinar Scheduled for Monday

Feb 26th 1:00 p.m. CST

Loan products and programs

  • Real estate secured revolving line of credit (RLOC). An RLOC can be used for all the operating needs of your farm or ranch.

          - 5 or 10 year commitment – no annual renewal

          - Interest only

          - All or portion of any RLOC can be converted to a fixed rate loan at any time during the draw period

          - No unused commitment fee

          - Semi-annual payment

  • Farm & Ranch term loans

         - Variable rate options

         - Fixed rate options include 3, 5, 7, 10, 15, 20, 25 & 30 year fixed rates

         - Amortizations out to 30 years

         - Monthly, semi-annual or annual payment options.

  • Development financing for permanent crops. Conterra provides development financing for a variety of permanent crops and can tailor the program to your operations specific needs. Give us a call to discuss your specific needs.

          - Financing for acquisition of real estate

          - Financing for land improvements and cultural costs upon approved budget.

          - Interest only, semi-annual payments

  • Agribusiness facility loans, including ag processing and storage units


Credit Guidelines

  • TDC- Proforma Total Debt Coverage ≥ 1.25
  • CR- Proforma Current Ratio ≥ 1.25
  • D/A- Leverage: Proforma D/A ≤ 50%
  • Minimum Loan Size None
  • Maximum Loan Size ≤ 1000 acres; $50.0 Million
  • > 1000 acres; $12.6 Million
  • LTV ≤ $5 mm Loan; < 70% LTV *
  • > $5 mm Loan; ≤ 60% LTV
  • Credit Score ≥ 680
  • Aggregate Borrower Exposure $50.0 Million **
  • Cash-out Limitation ≤ 25% ***


Other Requirements

* Maximum LTV = 60% for loans in the following states: North Dakota, South Dakota, Minnesota, Iowa, Illinois, Indiana, Ohio, Missouri, and Nebraska.


For loans with an LTV > 60% and ≤ 70%, TDC must be ≥ 1.50x and no exceptions to proforma debt

to asset ratio and proforma current ratio standards.


When the contributory value of the agricultural producing structures and site improvements, as reported in the appraisal, exceeds 60% of the total appraised value, the loan is to be treated as a loan on a specialized

production agricultural facility.


** As exposures to borrowers increase in amount, Farmer Mac expects the quality of the

loan and supporting financial information and analysis will reflect the greater risk.


*** Unlimited cash-out is available if the amortization is 15 years or less and LTV is less than 60% with compensating strengths.



Farm & Ranch Loans


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