Your land.
Your legacy.
Your loan — built around both.
$2.4B
Loans originated
38 yrs
In agricultural lending
6,200+
Farm families served
0 yrs
Agricultural lending experience
$0B
In total loans originated
0+
Farm families served
0
Avg. business days to close a land note
"We're not a bank that happens to do farm loans. We're farm lenders — and that's all we do."
— Bill Hartman, Founding Partner, Tillage Agricultural Finance
Real money for real operations. Structured around your calendar.
Seed money when the ground breaks open.
Jake refinanced after two hail years hit his winter wheat back-to-back. He needed $180,000 to cover seed, fertilizer, and fuel before the first planter tire hit dirt. We structured the note around his crop insurance calendar — draw in March, repay after harvest.
Typical loan range
$50,000 – $750,000
Draw period
Up to 12 months
Repayment trigger
Grain sale or crop insurance settlement
Collateral
Growing crop, equipment, or real estate
Real Example
Loan amount
$180,000
Structure
12-month operating line
Rate
7.25% variable
Payment structure
Bullet at harvest — no monthly pressure during growing season
Iron that earns its payment every season.
Maria needed a 2019 combine to replace a machine that spent more time in the shop than the field. At $340,000 with a trade-in, she wanted a note that matched her cash-flow reality — heavier payments after corn and soybean harvest, lighter through winter.
Loan range
$25,000 – $2M+
Terms available
3, 5, or 7 years
Down payment
As low as 10% with strong credit
Eligible equipment
Combines, tractors, planters, irrigation
Real Example
Loan amount
$306,000
Structure
5-year note (after $34K trade)
Rate
6.85% fixed
Payment structure
Seasonal — $4,800/mo May–Oct, $1,200/mo Nov–Apr
A quarter-section is a life decision. We treat it like one.
Tyler was 28, third generation, renting 400 acres and watching land sell around him. When the quarter-section adjoining his lease came up, he had 30 days. We closed a $496,000 land note in 19 business days — appraisal, title, and all.
Loan range
$100,000 – $5M+
LTV available
Up to 80% of appraised value
Terms
10, 15, 20, or 25-year amortization
Closing time
Typically 15–25 business days
Real Example
Loan amount
$496,000
Structure
20-year amortization, 5-year fixed
Rate
6.50% fixed for 5 years
Payment structure
$3,702/mo — or $44,424/yr against 160 productive acres
From the people who work the ground.
"I called on a Thursday, had a term sheet by Monday. When the neighbor's land came up for sale, Tillage moved faster than any bank I'd dealt with. Closed in three weeks."
Jake
Sumner County, KS · Winter wheat & milo
$496,000 land note
"After the hail took 60% of our crop two years running, our old bank wanted more collateral. Tillage looked at our whole operation — not just last year. They understood we'd had a bad run, not a bad farm."
Maria
Reno County, KS · Corn & soybeans
$220,000 operating line
"The seasonal payment schedule on our combine note made all the difference. Light payments through winter, heavier after harvest. That's how a farm actually works — nice to have a lender who gets it."
Derek
McPherson County, KS · Wheat & cattle
$340,000 equipment note
"As a co-op manager, I need bridge financing between delivery and payment every single season. Tillage set up a revolving line that just works — I don't have to re-explain my business every year."
Carol
Harvey County, KS · Co-op operations
$1.2M revolving line
A conversation costs nothing. A good loan costs less than a bad one.
Fill out three fields and a loan officer will call you back within one business day. No credit pull. No obligation. Just a conversation with someone who knows what a bushel price means.
Download Our Rate Sheet
Current rates for operating, equipment, and land loans. Updated weekly.
Reach us directly
Phone
(316) 844-2900
loans@tillageag.com
Office
412 N Main St, Hutchinson, KS
Office hours: Mon–Fri 7:30am–5:30pm CT
Loan officers available by phone until 7pm during planting season.