Agricultural loans to purchase or make real estate improvements or to purchase equipment or breeding livestock are available at Heritage Bank. The greatest benefit to Nebraska Investment Finance Authority (NIFA) loans is that they provide financing to farmers and ranchers at interest rates lower than conventional loans. The conditions of these loans include fixed interest rates up to 30 years and principal balance of the loan cannot exceed $250,000. A third party can guaranty these loans. Qualifications for these loans include:

Borrower must be an individual engaged in farming or become
actively engaged in an agricultural operation
Aggregate amount of the loans to the borrower funded by NIFA
cannot exceed $250,000
Borrower and spouse cannot have a net worth greater than $300,000
Must not have a direct or indirect interest in “substantial farm land”

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