80/35 Farm Finance
Based in Central Iowa at the major intersection of I-80 and I-35, we are committed to serving our hard working clients with competitive farm real estate and agribusiness loan products that fit their needs, including fixed-rate, long-term financing for large purchases or operating loans secured by agriculture real estate to help finance operations from year to year.
We recognize that farmers are loyal to their local community bankers (and for good reason), but also know that not every community bank can offer “market” rates. Given the total interest you pay over the life of the loan is a SIGNIFICANT expense, we are hyper focused on helping you reduce that figure over time.
At 80/35 Farm Finance, we are committed to sourcing the best possible debt solution to minimize that interest expense and add to your BOTTOM LINE!
Our Services
Land Loans
We offer long-term loans used to finance or refinance farmland, pastureland and other ground used for agricultural purposes.
Real estate loans also can be used for land improvements, such as fencing, grain bins and facilities. We have several options for financing land improvements.
Equipment Financing
We offer equipment financing - available at your equipment dealer, at auctions (traditional or online) and for private party ag equipment purchases.
Along with options to buy, lease or refinance, you'll find attractive rates and the most ag-friendly terms in the business.
Purchase and lease options available on farm equipment sold through private party transactions — minimum purchase price of $25,000.
Operating Lines of Credit
Operating loans give producers the capital they need to pay for agricultural-related expenses, such as livestock, fertilizer, and seed. To accommodate farming's seasonal cash flow, funds are available as producers need capital and can be paid down to restore funds for future draws. By deciding when and for how long they borrow from their line of credit, producers also limit the amount of interest they pay.
Our Expertise
We understand the American agricultural industry and the importance of having sophisticated real estate financing options available for today’s producers.
We have vast experience in underwriting agricultural credit and personal knowledge of operating a farming enterprise.
80/35 Farm Finance is committed to service and timely loan approval responses. A scorecard option is now available for basic requests, along with a rapid request application for an underwriting decision within 48 hours.
Contact Us
We look forward to learning about your operation and potentially providing one of our agriculture real estate financing products to fit your needs. If you would like to learn more about our products, or discuss how a loan could benefit your operation, please complete the form below and we will be in touch.