Agricultural Loan Products Built for Farmers & Ranchers

MAC America Ag Finance

Loan Products Designed for Agricultural 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.

Agricultural real estate loans are available for purchasing farmland and rural land properties

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

Explore Ag Real Estate Loans

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

Apply for Operating Capital

An orchard farmer can apply for operating loans and lines of credit at MAC America AG Financing

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

Start a Livestock Loan Application

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

Learn About FSA Loan Options

Use Beginning farmers and ranchers can use US FSA guaranteed loans to purchase capital equipment like combine harvesters

Nebraska soybean field landscape with sunset.

Coverage Built Around Your Operation

Every farm is different. We help you evaluate coverage based on your crops, location, operation and risk considerations so your protection fits the way you farm.

Why Mac America?

Coverage tailored to your operation
MPCI, hail and revenue protection options
Local agricultural expertise
Guidance from experienced advisors
Protection designed to help minimize financial disruption

Crop Insurance: MPCI & Hail Coverage

We Do Crop Insurance Differently.

Protect your operation from the risks you can’t control.

Weather, yield and market conditions can change quickly. Mac America helps farmers build crop insurance coverage around their operation, giving them greater confidence when the unexpected happens.

CROP INSURANCE OPTIONS:

Margin Coverage Option (MCO)
Help protect your margins by covering not just crop prices but also key input costs like fertilizer, fuel, and interest rates. This federally subsidized coverage is designed to safeguard the profitability of your operation when rising costs or market changes put pressure on your bottom line. Enrollment is required by September 30 for the upcoming crop year.

Pasture, Rangeland, Forage (PRF)
Help protect your grazing and forage production against the financial impact of below-average rainfall. PRF coverage is based on a rainfall index, providing payments when precipitation in your area falls short of historical norms. This support can help you manage feed costs, maintain your herd, and keep your operation resilient through weather-driven forage shortages.

Multi-Peril Crop Insurance (MPCI)
Protect against a range of covered weather, yield and production risks with coverage tailored to your crops and operation.

Hail Insurance
Add protection against hail damage and other covered risks that can threaten your crop and your bottom line.

Protect What You've Built

Crop insurance is more than protecting a harvest. It’s about protecting the financial stability of your operation and giving you confidence to keep moving forward when conditions change.

Talk to a Crop Insurance Advisor

Contact US To Explore Your Coverage Options