Keep Your Operation Running Smoothly
Farming is more than a business — it’s a way of life. At Citizens First Bank, we understand the day-to-day demands of agriculture and offer Operating Loans designed to help you manage expenses, maintain momentum, and plan for the season ahead. Whether you're purchasing livestock, stocking up on seed and fertilizer, or covering repair costs, our operating loans provide the working capital you need when you need it. Getting started is simple. Contact us to to schedule an appointment with an Ag Lending Specialist at any of our six branches, or stop by our Viroqua branch to speak with Ag Lender today.
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What Can an Operating Loan Cover?
Your loan can be used for a wide range of everyday farm expenses, including:
- Livestock purchases
- Seed, fertilizer, and feed
- Equipment repairs and maintenance
- Land rent and lease payments
- Utility bills and fuel
- Living expenses during the growing season
Why Choose Citizens First Bank?
Flexible Financing - Tailored to your seasonal cash flow and operational needs.
Minimized Interest Costs - Designed to keep borrowing affordable and efficient.
Local Lending Decisions - Work with loan officers who understand agriculture and your community.
Personalized Support - Our team is here to guide you through the process and answer your questions.