Whether working with an owner of a small operation or an owner of thousands of acres, our agricultural lending staff has helped our customers adapt to a changing marketplace by offering innovative solutions to unique demands. For all types of loans, no matter how large or small, you can call on the experience that we have to offer. We are here to provide you with the prompt, quality service that you expect and deserve.

Operating (Line of Credit)
Farm Real Estate
Livestock Loans
Equipment Loans
FSA Loan for Established and Beginning Farmers
IADA Beginning Farmer
Lease Loans

Operating (Line of Credit)

Operating loans are made for financing short-term, seasonal needs: seed, chemicals, fertilizer, feeder stock, etc. They are usually for a year or less, to be paid off with the income from that year's production.  Contact Us or call one of our loan specialists at (866) 460-2800 for more information. 

Farm Real Estate

Heartland Bank offers loan products with competitive rates to purchase or refinance farm real estate. Farm loans can have extended maturities with fixed or adjustable term rates.  Contact Us or call one of our loan specialists at (866) 460-2800 for more information. 

Livestock Loans

• Cow and Calf Loans
• Stocker and Feeder
• Feedlot
• Feeder Pigs
• Breeding Hogs

Contact Us or call one of our loan specialists at (866) 460-2800 for more information. 

Equipment Loans

Heartland Bank offer equipment loans for virtually any type of agricultural equipment, from row crop equipment to rolling stock to agri-business equipment such as grain handling and storage facilities.  Contact Us or call one of our loan specialists at (866) 460-2800 for more information. 

FSA Loan for Established and Beginning Farmers

The Farm Service Agency (FSA) provides direct and guaranteed loans to beginning farmers who are unable to obtain financing from commercial credit sources. Each fiscal year, the Agency targets a portion of its direct and guaranteed farm ownership (FO) and operating loan (OL) funds to beginning farmers.  Contact Us or call one of our loan specialists at (866) 460-2800 for more information. 

IADA Beginning Farmers

Obtaining enough capital to pursue a career in production agriculture can be a real challenge. But if you have set your horizons on owning and managing your own crop or livestock operation, the Iowa Agricultural Development Authority (IADA) may be able to lend a helping hand.

The IADA was established by the Iowa General Assembly in 1980 to provide financial assistance to Iowa’s grain and livestock producers.  

The Beginning Farmer Loan Program and Loan Participation Program help Iowa farmers purchase agricultural land, depreciable machinery or equipment, breeding livestock or buildings. The IADA loans may also be used to improve existing buildings or farmland.  Contact Us or call one of our loan specialists at (866) 460-2800 for more information. 

Lease Loans