You are committed to efficient dairy production and
seeking competitive advantages. Modern facilities, systems and financing arrangements are
components of efficient dairy production.  Dairy producers can improve both milk production
and financial performance of their dairy operations with the application of proven
production systems. As the dairy industry continues to consolidate, the importance of
modern production systems will increase.
Land O' Lakes Finance Company has developed a
One-Loan concept for dairy operation financing. Instead of having different loans for
facilities, equipment, and cows this unique financing product is designed to
cover the majority of the business financing needs with one convenient monthly payment.
Land O' Lakes Finance Company is committed to
securing your future in the dairy industry.
If your financing needs are different than the
products listed, contact us to discuss your situation.
Dairy Operation Refinancing
Dairy Expansion Financing
Dairy Operation Refinancing
Product Overview
- Dairy operation loans
- Competitive fixed and variable rate first mortgage loans
- One Loan
- One Interest Rate
- One Monthly Payment
- Terms up to 15 years
- Loan amounts generally of up to $3000 per cow, may be higher based on
overall farming operation
- Land refinancing available
- 15 – 20 year fixed rate loans
- 65% of appraised values
- Loan closing 30 to 60 days after loan commitment
Types of Dairy Operations
- Facilities designed to support efficient milk production and that
will provide adequate collateral value
- 300 cow minimum, may be lower based on overall farming operation
Producer Criteria
- Purchase Land O' Lakes/Farmland or Purina Mills branded feed and feed ingredients
- Pay legal, filing, appraisal, closing fees, including ½% loan
origination fee
- Submit periodic financial statements
- Submit periodic production records
- Proven production system, including:
production management, breeding system and herd
health, replacement and culling plan
- Milk marketing plan
- Feed sourcing & pricing plan
- Meet underwriting criteria
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Dairy Expansion Financing
Product Overview
- Dairy operation loans
- Competitive fixed and variable rate first mortgage loans
- One Loan
- One Interest Rate
- One Monthly Payment
- Terms up to 15 years
- Loan amounts generally of up to $3000 per cow, may be higher based on
overall farming operation
- Construction loan with variable interest rate
Types of Dairy Operations
- Facilities designed to support efficient milk production and that
will provide adequate collateral value
- 300 cow minimum, may be lower based on overall farming operation
- Land O' Lakes approved expansion and facility plan
Producer Criteria
- Purchase Land O' Lakes/Farmland or Purina Mills branded feed and feed ingredients
- Pay legal, filing, appraisal, closing fees, including up to a 1% loan
origination fee
- Submit periodic financial statements
- Submit periodic production records
- Proven production system, including:
production management, breeding system and herd
health, replacement and culling plan
- Milk marketing plan
- Feed sourcing & pricing plan
- Meet underwriting criteria
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