Agribusiness

Agribusiness Loans for Real Estate, Operating, Lines of Credit, and Equipment Financing

Agriculture is our region’s leading industry and an area with specialized needs. For your dairy, farm, or ranch, financial flexibility is often the key to your success. At County Bank, we offer competitively priced loans and lines of credit designed just for you.

First, we work with you to determine the best plan for your needs. Then we design a repayment schedule matched to the timing of your cash flow. Pay monthly, quarterly, or annually. County Bank fits your business needs.

Dairy Herd Loans

Borrow up to 70% of the value of your dairy herd based on an appraisal of the value and your cash flow position. Use the loan to purchase additional dairy cattle or use the capital to make facility improvements. Most loans are amortized for 60 months and renew annually.

Feed Lines

Feed Lines offer you a line of credit to purchase hay and silage, or to fund your growing costs if you raise your own feed. Non-revolving and revolving lines are available with one year maximum maturities. Repayment is based on estimated monthly feed usage.

Loans for Livestock Operations

County Bank also offers a customized line of credit of over $100,000 that can help you manage your livestock operations. Our lending experts will help you assess your business requirements and tailor a line especially for you.

Crop Financing

We also offer a versatile line of credit that helps you to fund your seasonal production of your specialized crops. Your other term debt obligations (for example real estate or equipment loans), including an allowance for operator living costs are taken into account to determine a realistic amount for your needs. We offer financing for both landowners and tenant farming operations with sound cash margins.

Equipment Financing

Equipment financing is available through County Bank for both new and used items with terms that range from 3 to 5 years.

Loans for Livestock Operations

If your business needs a line of credit over $100,000, we will customize a line for you. Our lending experts will assess your business requirements and tailor a line that meets your needs.

FarmerMac and FSA Farm Guarantee

County Bank is also a loan originator for the FarmerMac agricultural real estate loan programs.

All loans subject to credit approval.

For more details or to open an account, visit any of our branches conveniently located throughout California.