Loan Products
MAC America Ag Finance
Loan Products Designed for Ag Operations
Mac America offers a full range of financing options tailored to the needs of farmers, ranchers, and rural landowners. Whether you’re expanding acreage, covering seasonal inputs, or upgrading your infrastructure, we’re here to help with expert guidance, competitive rates, and long-term stability.
Ag Real Estate Loans
Finance the land that powers your future.
Whether you’re buying your first piece of ground or refinancing existing acreage, we provide long-term real estate financing backed by ag-focused expertise.
Use Cases:
- Land purchases & expansion
- Refinancing or consolidating existing farm loans
- Cash-out refinancing for liquidity
- Transferring or succession-based ownership
Features:
- Fixed terms from 15–30 years
- Predictable payments and long-term rate security
- Refinance without disrupting your operating line
Operating Loans & Lines of Credit
Fuel your farm’s day-to-day needs.
Mac America offers flexible operating loans that help cover seasonal expenses — from planting to harvest and everything in between.
Use Cases:
- Seed, feed, fertilizer, and crop inputs
- Repair costs and machinery maintenance
- Working capital for payroll, fuel, and overhead
- Bridge financing between crop cycles
Features:
- Flexible terms and structures
- Lines of credit or structured repayment options
- Ideal for producers who need working capital fast
Livestock Facility Loans
Finance the infrastructure behind your operation.
We help fund livestock-related improvements with real-estate-secured loans designed for long-term amortization.
Use Cases:
- New barns and cattle facilities
- Feeding systems and manure management
- Facility upgrades and expansions
Features:
- Fixed interest rates with long repayment terms
- Secure funding for major improvements
- Structure loans around your operation’s cash flow
US FSA Guaranteed Loans
Government-backed support for growing operations.
Mac America partners with the Farm Service Agency (FSA) to offer guaranteed loans with attractive rates and expanded eligibility.
Best For:
- Beginning farmers and ranchers
- Borrowers seeking lower rates with government backing
- Operations that need additional collateral or support
Features:
- Access to capital for land, equipment, or facilities
- Fixed or variable rate options
- Dedicated support throughout the FSA application process
Crop Insurance: MPCI & Hail Coverage
Protect your income from what you can’t control.
We offer tailored crop protection plans to mitigate risk and ensure continuity — even in the toughest seasons.
Coverage Options:
- Multi-Peril Crop Insurance (MPCI)
- Hail-only coverage
- Revenue protection
- Custom plans based on location and crop type
Features:
- Coverage aligned with your specific risk profile
- Minimize financial disruption after weather or yield losses
- Secure your operation with confidence
Ready to Take the Next Step?
Speak with a Loan Officer Today!
Whether you know what you need, or you’re just exploring options, our ag finance experts are here to help.
Whether you know what you need, or you’re just exploring options, our ag finance experts are here to help.
- No cost to apply
- No obligation to commit
- Get guidance tailored to your operation
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