How We Help Beginning Farmers Grow in Eastern Iowa
At Hills Bank, we understand that starting a farming operation is both exciting and challenging. Eastern Iowa’s next generation of farmers brings innovation, dedication, and a strong commitment to agriculture, but success also depends on having the right financial guidance and support system in place. That is where we come in.
Our experienced agriculture lenders work side by side with beginning farmers to help turn ideas into viable, long term operations. From navigating financing options to building a plan for growth, Hills Bank is proud to be a trusted partner from day one.
Personalized Financial Planning and Risk Management
Every farm operation is unique. Hills Bank’s agricultural bankers help beginning farmers develop strong financial foundations through balance sheets, cash flow projections, and long term planning. We also help identify and manage production, marketing, and financial risks so farmers can make informed decisions with confidence. Just as important, we help connect farmers with a broader team of advisors, including accountants, attorneys, and extension specialists.
Connecting Farmers to Education and Resources
Education is a powerful tool for new farmers. We regularly help clients connect with resources offered through Iowa State University Extension and Outreach’s Beginning Farmer Center, including AgLink, which matches beginning farmers with retiring landowners to support farm succession. Educational programming around farm transition planning, estate considerations, and tax basics also helps beginning farmers prepare for both near term and long term success.
Financing Options Designed for Beginning Farmers
Access to capital can be one of the biggest barriers to getting started. Hills Bank works closely with beginning farmers to explore loan programs through the USDA Farm Service Agency, including Direct Farm Ownership Loans, Operating Loans, and Microloans that provide flexibility during start up years. We also help farmers take advantage of Iowa Finance Authority programs, such as the Beginning Farmer Loan Program with reduced interest rates and the Beginning Farmer Tax Credit Program, which encourages landowners to lease to new farmers.
Your Partner in Agriculture
Beginning farmers do not have to navigate this journey alone. At Hills Bank, our agriculture lenders are committed to helping Eastern Iowa farmers build strong operations today while planning for tomorrow. If you are considering starting a farm or are in the early years of your operation, we encourage you to reach out and start the conversation.
Contact a Hills Bank agriculture banker to learn how we can help you take the next step.
