Because we understand what agriculture means to the local economy, FOCUS Bank is proud to offer a complete line of agriculture-specific loans including equipment, production, and real estate. Our agriculture loans feature competitive fixed and variable rates, flexible terms, and lifetime local servicing. We have been making farm loans for over 80 years, so whatever the size of your agricultural operation — from small family farm to a large operation — we can customize a loan to meet your needs. We offer long-term fixed rate farm real estate loans for 5, 10, 15, or 20 years. Equipment loans or leases (both new and used) can be obtained with up to seven-year amortizations.