First Bank Kansas offers a full line of loan products to help you manage your Farm and Ranch. We offer loans for livestock, machinery and equipment, real estate, operating lines of credit and more for your purchase, expansion and refinance needs.
We offer a variety of loans to help you with your farm and ranch financing needs whether it be for operating, purchases or refinancing. We offer loans for operating lines of credit, machinery and equipment, livestock and farm real estate. First Bank Kansas offers both fixed and variable rate loans for short, intermediate and long term financing needs at competitive rates.
First Bank Kansas is offering loans at favorable interest rates that are discounted to assist beginning farmers and ranchers. First Bank Kansas’ beginning farmer and rancher loan funds may be utilized for any agricultural purpose. The discounted rates may be available for up to three years on loans of $200,000 or less. The discount may be applied on a pro-rated basis for larger credit needs.
First Bank Kansas offers hands-on assistance to customers that wish to apply for a Farm Service Agency (FSA) beginning farmer or joint financing loan to purchase agricultural real estate. The FSA Beginning Farmer and Joint Financing loan programs allow eligible farmers and ranchers to secure long-term fixed interest rates as low as 1.5% and 2.5% respectively. The FSA Beginning Farmer and Joint Financing loan programs require that at least 50% of the required capital be provided by an eligible lender, such as First Bank Kansas.
Another benefit to eligible beginning farmers and ranchers is First Bank Kansas’ ability to utilize the Kansas Development Finance Authority (KDFA) program to further reduce interest rates for agricultural real estate purchases. Customers may utilize the KDFA and FSA loan programs concurrently.
First Bank Kansas is able to offer competitive interest rates for both fixed and adjustable rate loans. There are a variety of options available. Adjustable rate loans will typically have an initial period of one, three or five years. In additional, we are able to offer interest rate caps. Caps limit the amount the rate adjusts in order to protect you from large interest rate swings.
Please fill out the information request and a lender will be in contact with you within one business day.
Please fill out the quick loan request form and a lender will be in contact with you within one business day.
All loans subject to application and credit approval. First Bank Kansas is an Equal Housing Lender. NMLS #528128