Agricultural Loans can be used for a variety of purposes, from buying farmland or expanding acreage to constructing barns, fencing, irrigation systems, or other essential structures. Whether you’re growing crops, raising livestock, or managing a vineyard, we understand the unique demands of agricultural life and offer funding to meet them.

These loans are structured to match the seasonal and cyclical nature of farming. With options for longer repayment terms, interest-only periods, and customizable payment schedules, Agricultural Loans help farmers stay financially stable throughout planting, growing, and harvesting seasons.

Borrowers can also use Agricultural Loans to refinance existing farm debt, consolidating obligations under a single, more manageable payment. This can free up cash flow, reduce financial stress, and improve long-term planning for your farm or rural business.

Our application process takes into account both the value of the land and the productivity of your operation. We look at your farming plan, production history, and goals—not just traditional credit metrics—so you get financing that works for your reality, not just the paperwork.

For beginning farmers or those expanding their operations, we also offer access to specialized programs that support generational farming and rural development. We believe in helping local producers thrive, grow sustainably, and build long-term equity in the land they care for.

These loans are available for individuals, family-owned operations, and agricultural businesses of all sizes. Whether you’re working a few acres or managing a large-scale farm, we provide the tools and insight to make your operation more efficient and profitable.

Agricultural Loans can also be used for land development, soil improvement, and even renewable energy additions like solar panels or wind systems. Our goal is to help you make improvements that increase productivity while promoting environmental responsibility.

At Borrow with Betty, we’re deeply connected to the Illinois communities we serve. Our Agricultural Loans aren’t just about lending—they’re about preserving legacies, growing futures, and ensuring our state’s farming families have the resources they need to thrive for generations.