Long-Term Agricultural Financing Solutions
Discover how Mac America helps farmers and ranchers secure their financial future with flexible, long-term funding options tailored to your needs.
Questions? Reach Out Today
Features
Ag Real Estate Financing
Tailored solutions for purchasing or refinancing agricultural real estate.
30-Year Fixed Rates
Predictable payments over a long term for financial planning certainty.
Excellent Rates
Competitive financing options to maximize your financial efficiency.
Operating Loans
Flexible funding to support ongoing farm operations.
MPCI & Hail Insurance
Comprehensive crop protection to safeguard your harvest.
Benefits
Reduce Payments
- Lower payments: Mac America’s long-term fixed-rate financing options significantly reduce loan payments compared to traditional short-term loans, enhancing your cash flow for operational needs.
- Manage debt effectively: Predictable, fixed payments enable accurate budgeting and efficient debt management, reducing financial stress and supporting farm operations.
Improve Working Capital
- Optimize cash flow: Increased liquidity from lower payments allows for strategic investment in farm operations and expansion opportunities.
- Support growth: Enhanced working capital empowers you to invest in new technologies, expand operations, or explore new markets with confidence.
Better Alternative to Banks
- Specialized expertise: Mac America’s focus on agricultural real estate financing ensures tailored solutions that meet the unique needs of farmers and ranchers.
- Long-term stability: Unlike banks, we offer fixed rates for up to 30 years, providing peace of mind and stability amidst market fluctuations.
- Competitive rates: Leveraging relationships with diverse funding sources ensures competitive interest rates for our clients.
Term Loans vs. Demand Loans
- Predictable payments: Unlike demand loans, which a bank can require to be paid off in full at any time, our term loans offer fixed payments throughout the loan term, allowing for better cash flow management and financial planning.
- Stability and security: Locked terms provide assurance against sudden changes, allowing you to focus on farm operations without financial uncertainty.
Flexible Payment Options
- Optimized Payment Frequency: Monthly, Quarterly, Semi-Annual, and Annual repayment options are available
- No Pre-Payment Penalties: Our loans typically have no pre-payment penalties, allowing you peace of mind to pay off loans quicker or refinance without penalty
Peace of Mind with Crop Protection
- Risk mitigation: Comprehensive crop insurance* plans protect against unforeseen events like hail, drought, or pests, as well as fluctuations in commodity prices, safeguarding your income and farm viability.
- Financial security: Ensure continuity in farming operations with reliable protection against crop losses.
About Us
At Mac America, we are dedicated to empowering farmers and ranchers with comprehensive financial solutions designed for long-term stability. We understand the unique challenges of agriculture and offer a range of financing options.
Our focus on long-term stability means you can plan ahead confidently, with fixed rates available for up to 30 years. This ensures predictable payments, freeing up cash flow for investment in your farm’s growth and resilience.
Whether you are a row crop farmer in Nebraska, a rancher in Montana, an ag production facility in Indiana, or seeking that perfect acreage or hunting ground, our team of experienced Independent Loan Advisors are available to assist you.
Why Choose Mac America
What Sets Mac America Apart
Mac America excels in the lending industry by specializing in long-term agricultural real estate financing. Our dedicated focus and farmer-friendly rates exceed industry standards, fostering strong referrals within the agricultural community. This approach not only secures essential capital for farmers but also builds lasting relationships that sustain and grow agricultural enterprises for future generations.
Our no cost and no obligation application process gives producers peace of mind while assessing their options, and our expert advisors will guide you every step along the way.
Frequently Asked Questions
Is your cash flow tight?
If you could lower your payments by 20% to 50%, Mac America can help! We can greatly reduce your loan payments, creating much-needed cash flow for your operation, improving your debt service and enhancing your working capital.
Can rates ever go up?
What would happen if your rates increased 2%, 3% or more? Mac America offers peace of mind knowing that your rates are locked for 15, 20 and up to 30 years. You can focus on running your farm without worrying about interest rate fluctuations.
Has your banker talked to you about working capital?
Working capital can be strained from time to time. Mac America can help you improve this important balance sheet component and allow you to confidently finish the current crop year and go into the next season with a strong financial position.
Will Mac America refinance our debt and help restructure our balance sheet?
This is a common request we handle. The past few years have been challenging for many farms, and Mac America is here to offer support. We can help you refinance your debt and restructure your balance sheet for a stronger financial future.
Do we need to leave our current operating lender?
No, Mac America can work with your existing operating lender. We can complete your real estate transactions and seamlessly integrate with your current financial setup. If you wish to change lenders, we can assist you with the transition.
Can Mac America handle livestock facility loans?
Yes, if the loan is tied to real estate, Mac America is your lender of choice. We can handle financing for all types of livestock facilities.
Do you need a guaranteed loan?
Mac America has developed strong relationships that provide access to government-guaranteed funds. These guaranteed loans offer the long-term benefits you’ve come to expect from Mac America, with additional government backing for peace of mind.
Is the risk of losing your crop keeping you up at night?
The right insurance can give you peace of mind. Mac America can craft a personalized crop insurance* plan designed to protect your crops from unforeseen events, allowing you to sleep soundly knowing your harvest is secured.