FARM & LAND LOANS
Rural economies don't run on luck. They run on the people who steward the land, the operations that produce on it, and the partners who back both. For over a century, Stearns Bank has been one of those partners.
You don't have to be a farmer to qualify for Farmer Mac. For active farmers and ranchers, Farm Service Agency (FSA) delivers long-term, federally guaranteed financing built specifically for working operations. Stearns Bank originates loans through both. Use the tabs below to find the program that fits.
The FSA program pairs Stearns Bank with the U.S. Farm Service Agency to deliver long-term fixed-rate loans for active farmers and ranchers. Farm Service Agency opens doors for borrowers who don't fit a conventional credit profile.
Subject to credit approval/qualification. Terms, conditions and closing costs may apply. Subject to change without notice.
Through Farmer Mac, Stearns Bank originates long-term fixed-rate loans on land. Eligibility starts at 5 acres and extends to farmers, landowners, hobby property owners, and investors alike. You don't have to be actively farming to qualify.
Subject to credit approval/qualification. Terms, conditions and closing costs may apply. Subject to change without notice.
Our experience with federally-backed loan programs is only the starting point. What separates Stearns Bank from the rest is how fast we can decide, how far we can lend, and how long we've been doing both.
EQUIPMENT FINANCE
Finance the equipment that keeps your operation moving, from a single tractor to a full fleet of trucks. At Stearns Bank, we deliver fast credit decisions, flexible terms, structures that match seasonal cash flow, and people who understand the equipment your work depends on.
