Operating Loans & Lines of Credit

Heritage Bank offers both conventional and FSA guaranteed operating loans for annual farm operational expenses, including crop input and feeder livestock.

As a Preferred Lender for FSA Guaranteed loans, Heritage Bank can secure an operational loan for eligible producers up to $1,214,000 for fuel, chemicals, repairs, insurance and other operating expenses.

Feeder livestock loans can be made for up to 85% of the purchase price of cattle or hogs if feed is owned by the borrower. Crop input loans are made in the amount of 75% of the input costs. These loans are generally set up on a year-to-year basis.

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