Jonathan Fox, President & CEO
Former Chairman of Colorado Banking Board
Farm Loans Colorado
Agricultural Operating and Equipment Financing
We understand farming and ranching. No explanations needed. Local decisions from neighbors who know your land, your challenges, and your dreams.
- Local decision-making by people who understand agriculture
- Flexible payment schedules that match your cash flow
- FDIC-insured security with local customer support
Trusted by Southeastern Colorado Families for Over 125 Years
We’re not just here to offer agricultural loans; we live this life too. We understand what farming takes, because it’s part of who we are.
Agricultural Lending Solutions
Farm Loans Colorado Backed by over 125 Years of Agricultural Expertise
Operating Lines-of-Credit
Flexible access to capital when you need it. Perfect for managing seasonal cash flow gaps and unexpected opportunities.Features:
- Operating line of credit for seasonal needs
- Equipment purchase flexibility
- Emergency fund access
- Market opportunity financing
- Pay interest only on funds used
Typical Terms: Annual review with flexible draw and repayment
Equipment Leases & Purchases
Finance the tractors, combines, implements, and technology your operation needs. Competitive rates with leasing and purchase options that make sense for your cash flow.Features:
- New and used farm equipment financing
- Equipment leasing options available
- Irrigation systems and technology
- Livestock handling equipment
- Storage and processing facilities
Typical Terms: 3-10 years depending on equipment type and useful life
Livestock Lending
We understand livestock markets and can structure financing around your marketing timeline.Features:
- Feeder cattle financing
- Breeding stock purchases
- Livestock facility improvements
- Feed lot operations
- Payment schedules matching marketing cycles
Typical Terms: 6-18 months for feeder cattle, longer terms for breeding stock
Farm & Ranch Real Estate Loans
Purchase farmland, expand your operation, or refinance existing properties. Long-term financing with competitive rates for qualified agricultural real estate.Features:
- Farm and ranch land purchases
- Agricultural building construction
- Farm home construction or purchase
- Refinancing existing farm debt
- Competitive long-term rates
Typical Terms: 10-30 years with various amortization options
Letters of Credit
Support your agricultural business transactions with letters of credit for commodity purchases, equipment acquisitions, and trade financing needs.Features:
- Commercial letters of credit
- Standby letters of credit
- Agricultural commodity transactions
- Equipment purchase support
- Trade financing assistance
Typical Terms: Customized based on transaction requirements
Why Choose Us
Banking with People Who Understand You
Agricultural Expertise
Our staff understands farming cycles, commodity markets, and seasonal cash flows. You won't spend time explaining why you need operating capital in March but can repay in October.
Local Decision Making
Your loan is decided by people who live and work in Colorado, not a computer algorithm or corporate office thousands of miles away.
Personal Relationships
When you call, you'll talk to someone who knows your name, your operation, and your family. We believe banking should be personal.
Flexible Solutions
Every farm and ranch is different. We structure loans to fit your specific operation, cash flow, and goals. Standard loan products are starting points, not rigid requirements.
Over 125 Years of Agricultural Experience
We've been financing Colorado agriculture since 1899. That's experience with farming cycles, market volatility, weather challenges, and agricultural life.
Competitive Rates
Our rates are competitive with larger banks, but our service is far superior. We offer financial strength with the personal touch of community banking.
Visit Our Home in Fowler – Where Banking Begins
Experience the difference of local banking at its finest. Located in the heart of Fowler, our branch is more than just a bank
Frequently Asked Questions
What documentation do I need for a farm loan application?
For most farm loan applications, we require:
- Two (2) years most recent tax returns (copies)
- Ag Financial Statement
- Ag/Global Cash Flow Analysis
Agricultural and larger loans require us to compile some additional documentation in our loan determination process. For your convenience, we have made these documents available for download here. These documents can be completed on your computer and then brought in or faxed to a loan officer to expedite your loan decision.
How quickly can agricultural loans be approved?
Most agricultural loans are approved within 2-3 weeks. Seasonal operating loans can often be approved within days when timing is critical. Our local decision-making process eliminates delays common with larger banks.
Do you finance beginning farmers or only established operations?
We work with both beginning and established farmers. For beginning farmers, we consider experience, education, business plans, and family involvement in agriculture. We also participate in government beginning farmer programs when appropriate.
What geographic area do you serve for agricultural loans?
We primarily serve southeastern Colorado, including Otero, Pueblo, Bent, Crowley, and surrounding counties. Our focus is on agricultural operations within reasonable distance of our Fowler location.
Can loan payments be structured around harvest and livestock sales?
Absolutely. We understand seasonal cash flows and structure payments to match your income patterns. Operating loans often have harvest balloon payments, while livestock loans can be timed around typical marketing schedules.
Do you offer crop insurance and other farm insurance products?
While we don’t sell insurance directly, we work closely with local agents who specialize in agricultural insurance. We can coordinate loan requirements with insurance coverage and provide referrals to trusted agents.
What interest rates do you offer on agricultural loans?
Interest rates vary based on loan type, term, collateral, and current market conditions. We offer competitive rates and will provide specific quotes during the application process. Rates are updated regularly to remain competitive with regional and national agricultural lenders.
Ready to Start Banking With Your Neighbors?
Fill out the form to open your deposit account and experience community banking done right.
Benefits of Banking With Fowler State Bank
- No monthly fees on checking accounts
- Local loan decisions made by people you know
- Personal service from staff who live in your community
Need help? Send us a message!
Have questions about your account, credit, or loan? Send us a message, we’ll get back to you quickly.