Agriculture Lending

Agriculture Division

Agriculture Finance Options

Whether you’re starting, managing, or growing your business, our ag lenders have got your back at every stage. Though each business we serve has different starting points, they share a common goal: to grow – be it crops, livestock, or their farm’s footprint. Together, we can help you find the right financial resources that will allow you to achieve this goal. 

Operating Loans

Used for crop inputs, feeder livestock, feed purchases, and general farm operating expenses. We offer flexible loan terms and payment dates matched with your commodity sales cycles.

Term Loans

Designed for capital purchases with up to a seven-year asset life, such as (breeding) livestock, machinery & equipment, vehicles, irrigation, construction, and other improvements. Loan amortization and repayment schedule are matched with asset life and the borrower’s cash flow. Interest rates may be variable or fixed.

Real Estate Loans

Customized for the purchase or refinance of farm real estate, bare farmland, recreational land, buildings, and other improvements. Our real estate loans are designed to fit your needs, with amortization up to 30 years, a variety of variable or fixed interest rates, and payment timing to match cash flow.

Young & Beginning Farmer Loans

Help borrowers get new and existing operations up and running. Financing packages are designed to meet the unique needs and goals of the borrower. State Bank of Cross Plains is a “Preferred Lender” with the USDA Farm Service Agency, allowing us to provide extended amortizations, low down-payment plans, low interest rates, and flexible repayment plans. We have the resources and expertise beginning farmers need to guarantee long-term success.

Contact Your Local Ag Lender

Dave Wyttenbach

Vice President – Commercial Relationship Manager

Julie M. Johnson

Vice President – Commercial & Ag Lending

Leah Urso

Ag & Relationship Manager

Lisa Higgins

Vice President – Business & Agricultural Relationship Manager

Paul Lawinger

Vice President – Agricultural Relationship Manager

Rene Johnson

Vice President – Agricultural Relationship Manager

Stephen Eager

Market President