Long-Term Ag Financing, Built for Farmers
Fixed-rate loans up to 30 years. Fast decisions. Flexible terms.
Funding that fits your farm today and for the future.
MAC America Ag Financing
What We Help You Finance
Real-world ag financing for the land, the livestock, and the business that keeps it all running.
Ag Real Estate Loans
Buy, expand, or refinance farmland with confidence.
Operating Loans
Access flexible working capital for inputs, feed, or repairs.
30-Year Fixed Rates
Lock in predictable payments to manage your future.
Livestock Facility Loans
Finance barns, systems, and improvements with long amortization.
MPCI & Hail Insurance
Protect your income with tailored crop coverage.
Refinancing & Restructuring
Reduce payments and improve your balance sheet.
Why Long-Term Fixed Financing Changes Everything
Most farms don’t fail because they are unprofitable. They fail because cash flow gets tight at the wrong time.
Reduce Payments
Lower your monthly obligations by 20–50% and create room to grow.
Improve Working Capital
Free up cash for upgrades, expansion, or seasonal needs.
Better Than Traditional Banks
We offer fixed rates up to 30 years; most banks can’t.
Term Loans vs. Demand Loans
No surprise recalls. Just locked terms and financial peace of mind.
Flexible Payment Schedules
Pay monthly, quarterly, semi-annually, or annually, your choice.
Crop Protection = Peace of Mind
Comprehensive insurance protects your income when nature doesn’t cooperate.
About Mac America
Ag financing with deep roots
Mac America is a team of independent loan advisors focused solely on agricultural lending. We understand the pressure of running a farm and we’re here to offer solutions that are simple, smart, and built around you.
We work with Farmer Mac, FSA, and private funding sources to secure competitive fixed rates up to 30 years. Whether you’re in Nebraska, Montana, Indiana, or anywhere in the United States, our advisors will guide you from application to closing and beyond.
What Our Clients Are saying
Farmer-Tested. Community-Trusted.
Apply in Minutes. Get a Response Within 24–48 Hours.
No pressure. No obligation. Just clarity.
Agricultural Financing FAQs
Click to expand questions about loan options, refinancing, and eligibility.
Is your cash flow tight?
If you could lower your payments by 20% to 50% and inject valuable working capital back into your balance sheet, 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.