Agriculture Lending

First Security Bank & Trust has a major investment in the agricultural community, with a large share of our total loan portfolio in agricultural real estate, machinery and equipment, livestock and operating loans and leases.  We also participate in numerous state and federal loan programs, including:

• State of Iowa LIFT (Linked Investment For Tomorrow)
• “Linked Deposit” Loans
• Iowa Agricultural Development Authority Beginning Farmer Bond Program
• USDA Farm Service Agency Direct Farm Ownership
• Beginning Farmer Down Payment

Many of these programs result in below-market interest rate financing for those with qualifying projects. Our goal is the same as our borrowers’ – financial success!

Commercial and Development Loans

Our lenders have years of experience and can help you select financing options that best help you. All of our lending assistance is custom-tailored to each business's needs. For equipment, vehicles, refinancing corporate debt, loan consolidation, fixed asset acquisition, floor planning, operating needs, or business start-up and expansion, we can help.

We also work with the Small Business Administration (SBA) to encourage the growth of small businesses. We've arranged SBA loans to finance real estate, equipment, working capital, and acquisitions. We also work in partnership with local development corporations and state agencies for long-term financing at attractive fixed rates to businesses that meet guidelines.

Line of Credit

A line of credit can be the best way to finance short term or seasonal needs. Advances and transfers can be arranged over the phone. Because you borrow just what you need, your interest expense is kept to a minimum.

Leasing Services

Leasing offers an alternative to direct purchase financing, with lower up-front costs and tax advantages in many situations. If conserving cash for other purposes and tax advantages are of interest, ask how our leasing services can work for you.

Ag Ventures Alliance
Ag Decision Maker