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BTC Bank

Farm Operating Loans

five bails of hay in an open field

Farm operating loans can be used to cover a wide variety of items related to the ongoing needs and activities of your farm.

Essentially, farm operating loans act as lines of credit that one can use for your short-term credit needs. However, these types of agricultural loans are usually not used to finance the purchase of new assets for agricultural use, so visit our other agricultural business loans pages for more information.

As a proud contributor to the success of the agricultural industry of Missouri and Southern Iowa, BTC Bank has a strong interest in making sure you have the right loan for your financial situation. Visit the location closest to you for a one-on-one meeting with one of our loan officers to get more information.

Obtaining a Farm Revolving Line of Credit

This is not an exhaustive list; see the loan officer at your local BTC branch for specific information.
Some of the typical ongoing needs a farm experiences during daily operations that could be financed with an operating loan include:

  • Seed
  • Fertilizer
  • Chemicals
  • Labor
  • Irrigation
  • Tillage
  • Harvest
  • Feed
  • Feeder Livestock

Note that the equipment, for example, to build an irrigation system or to harvest crops would be purchased with an equipment and machinery loan; the revolving line of credit would be used for maintenance and upkeep.

The interest rates on farm revolving credit lines is determined by the strength of the borrower and the collateral being offered for the loan. Contact us for interest rates and details.

Why choose BTC Bank for a Farm Operating Line of Credit?
We’ve been an agriculturally minded community bank for nearly a century. With such a strong history of community investment, we understand the needs of the local farmers and agricultural communities we serve. Unlike a national lender, our customers are also our friends and neighbors and we are committed to strengthening the places they live and work by providing opportunities and reinvesting the deposits you make at BTC Bank back into your community.


Contact the loan officer at the branch closest to you to get more information about our farm operating loan options. We have agricultural loans for a wide variety of needs and budgets. Call 660-425-7285 or contact us online to learn more about agriculture lending.
Utilize our various Financial Calculators to jump-start your farm's financial goals.
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