Skip Navigation
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Ag Financing

Planting Seeds Today for a Stronger Tomorrow

Our experienced ag lenders work alongside you to create financing solutions as dependable as you.

Agriculture > Financing

Springs Valley's Agricultural Financing

Springs Valley is committed to working with our customers and supporting the economic strength of our communities. Our commitment to farming and rural communities goes back generations. After all, we’ve been here since 1902, providing financial insight and support to farm operators and agriculture related businesses. If you operate in the agricultural industry and need to speak to someone who understands your needs, give us a call today.

Finance purchases, improvements, or refinance existing debt; Various repayment schedules are available; Competitive and flexible loan to values.

Finance new, used, or refinance existing equipment debt; Fixed or variable rate equipment loans; Flexible terms to match your needs.

Finance all types of farm operating expenses; Online banking allows easy access to funds; Prime - indexed loans.

The Farm Service Agency's farm loan program offers a number of resources for individuals to obtain financing when their needs do not meet contemporary loan requirements. FSA guaranteed loans are available for annual operating expenses, equipment and livestock purchases, and farm ownership. Our experienced lending professionals will work with you and the local FSA staff to help you obtain the financial resources you desire.

SBA and USDA loans provide financing for almost any business purpose, including real estate purchase, business acquisition or startup, equipment, inventory, and competitor and partner buyouts.  Benefits of these loans include lower down payments and longer repayment terms than conventional bank loans, enabling small businesses to keep their cash flow for operational expenses and spend less on debt repayment.

Leasing that Works the Way You Do

At Springs Valley, our Ag Leasing options are designed to meet the unique needs of your operation. Leasing through your local bank means working with people who know you, your farm, and your goals. We understand that no two seasons are the same. That’s why we offer flexible terms—with no early payoff or termination penalties—so you can make decisions that work for your bottom line.

Keep your equipment updated without tying up working capital, and manage your banking and leasing all in one trusted place. Talk to an ag lender today and let’s grow your operation—together.

  • 100% financing available - no down payment required
  • New or used equipment
  • Variable payment for seasonal customers
  • Fixed rate for the lease term
  • Most leases can be structured to meet tax objective

Ag Lease Accordion Feature

Only from your community bank — Ag producers have an accordion feature in each lease allowing them to increase or decrease their payment during the lease term depending on need for tax shelter.

Springs Valley's Ag Expert

Meet Ross Key

Manage the Busy Seasons and Save for the Next

Stay on top of your cash flow with checking made for ag operations—and grow your reserves with savings that support your goals.

Ag Checking Accounts Ag Savings Accounts

Don't have our Business Mobile App?

Download it for free!

*Subject to additional terms and conditions. Data rates may apply. Check with your mobile phone carrier for details.

Download on the App Store Get it on Google Play