Ag Lending & Insurance Offerings
Banterra is proud to work with farmers within our footprint to provide specialized lending and insurance services. With these services you can rest assured that your farm has all the financing it needs to grow, and all the coverage you need to ensure you’re protected against a variety of items. Contact our team to learn more about how we can provide you with the lending and insurance you need for your agriculture operation.
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Beginning Farmer Program
Banterra knows the importance of supporting America’s farmers and ensuring that this industry grows in the future. That’s why we created the Banterra Beginning Farmer Lending Program.
If you are a new farmer or plan to start a farm, we can help.
Benefits Include:
- Discounted interest rate
- Reduced down payment requirement
- Extended term length to aid in cash flow
What Is A Beginning Farmer?
Candidates will be required to fit in and meet specific Banterra lending requirements and standards to qualify.
- Less than 15 years of farming activity, verified via FSA records
- Under $400,000 Revolving Line of Credit
- Under $250,000 of Equipment Debt per year
- Under $650,000 of Real Estate Debt
How Do I Apply?
Stop by your local Banterra branch or contact an ag lender at aglending@banterra.bank.
Equipment Loans
Banterra offers quick and simple equipment lending solutions to get you back in the field with the equipment you need to grow your operation.
Benefits
- Competitive rates for you to purchase or refinance a wide range of equipment and machinery needs
- Repayment terms tailored to your operation's cash flow
- Convenient payment options
Real Estate Loans
Whether you’re starting out or purchasing new ground, Banterra has got you covered.
Benefits
- Competitive rates for the purchase, refinance, or construction of ag property
- Long-term, fixed rate financing available
- Locally-based lenders with working knowledge of the market
Operation & Production Loans
This lending program is designed to meet the demands of your farming operation expenses. Banterra is here to help keep your operation running smoothly.
Benefits
- Competitively low rates for several farm-related needs
- Provides greater financial flexibility
- Accessible anytime by phone, mail, online or in-person
Contact A Lender
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David Shell
Senior Banker
DivisionsAgribusiness, Commercial Lending
MarketsCape Girardeau, MO, East Prairie, MO
Phone(573) 339-5787
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Andrew Drone
Ag Officer
DivisionsAgribusiness, Commercial Lending
MarketsCarmi, IL, Ridgway, IL
Phone(618) 272-3151
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Dustin Poley
Ag Officer
DivisionsAgribusiness, Commercial Lending
MarketEast Prairie, MO
Phone573-649-5146
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Larry Stubbs
Commercial Officer
DivisionsAgribusiness, Commercial Lending
MarketsEldorado, IL, McLeansboro, IL
Phone(618) 272-3151
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Derek Meyer
Ag Officer
DivisionsAgribusiness, Commercial Lending, Small Business Lending
MarketsMetropolis, IL, Paducah, KY - Hinkleville Rd., Paducah, KY - Parisa Dr., Vienna, IL - Court St.
Phone(618) 658-2011
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Steve Yandell
Commercial Officer
DivisionsAgribusiness, Commercial Lending
MarketVienna, IL - Court St.
Phone(618) 658-2011
Contact
Agribusiness Insurance
We can tailor an insurance policy for your operation. Our policy options range from liability coverage and commercial auto policies for your vehicles, to umbrella coverage and workers’ compensation insurance. Learn more about our policies by visiting the Banterra Insurance website.
Banterra has been crucial to the success of our business. A lot of banks offer similar products but can’t beat the service we have received from Banterra. We are extremely thankful for the Ridgway Branch, Treasury Management Department and the Ag Lending team and the role they have played in our success.