Government-Backed Loan Programs

We want to see all of our local farms and businesses succeed, regardless of size or output. That's why we work closely with the state and national government to help secure financing that might otherwise be difficult for smaller operations to procure. Speak to a helpful business banker about our different government-backed lending options today.

Nebraska Energy Loans

  • Statewide initiative, available to businesses that meet certain energy regulations
  • Available for qualified improvements, equipment, or technical advances
  • Competitively low interest financing available up to 15 years, 5 years for appliances
  • Specific lending options available:
  • 3.50% and 5.00% APR* loans (for amounts up to $250,000)
  • 2.50%APR* loans (for amounts up to $750,000)
  • 2.50% APR* loans for NPPD customers (for heat pumps)
  • 2.50% APR* loans for wind, solar, and fuel cell projects

*APR = Annual Percentage Rate.

To learn more about options and qualifications, visit the Nebraska Energy Office website.

FSA Guaranteed Loans

  • Designed to help both new and established family-sized farms receive financing
  • Competitively low rates to meet a wide range of agricultural needs:
  • Land
  • Livestock
  • Equipment
  • Feed
  • Seed
  • Supplies
  • Building construction
  • Farm improvements
  • Two types of farm operating loans available
  • Maximum loan amounts up to $1,302,000
  • Local decision-making and processing
  • Helpful, customized service throughout the entire process

To learn more about financing options and qualifications, review the USDA FSA Fact Sheet.

Farmer Mac II Loans

  • Competitively low financing for the following loans:
  • Farm Service Agency (Farm Ownership and Term Operating)
  • Rural Development Community Facilities
  • Rural Development Business and Industry
  • Government backing produces long-term fixed rate options
  • Availability of funds in good times and in bad

To learn more about Farmer Mac II loans, visit the Farmer Mac website.

SBA Loans

  • Available to start-up businesses, as well as purchasing and refinancing existing businesses
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses
  • Competitive rates for a wide range of business needs:
  • Real estate
  • Equipment
  • Inventory
  • Working capital
  • And more
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity*
  • Local decision-making and processing
  • Helpful, customized service throughout the entire process

*Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.