For over 100 years, Maryland landowners and farmers have turned to Horizon Farm Credit (part of the Farm Credit System) for flexible, competitive financing. We offer a variety of loan options, including operating, land, equipment, livestock, and home loans, as well as crop insurance and risk management solutions.
Our loan officers live and work in Maryland communities and know the local farming planting schedules, cash-flow needs, land values, and ever-changing regulations. They’ll match you with the right loan, guide you through the approval process and connect you with expert resources. Reach out today and let Horizon Farm Credit help you secure the financing you need.
MD Agriculture, Land, & Rural Home Loans
Whether you need funds for seed and fertilizer, farm real estate, equipment upgrades, herd expansion, or building/updating your rural home, we have financial options and financial advisory services for you:
- Agriculture Loans: Cover seasonal needs—seed, feed, fertilizer—and finance equipment and risk-management tools.
- Rural Home Loans: Purchase, build or refinance your rural residence with competitive rates and flexible terms.
- Land/Farmland Loans: Acquire, refinance or improve farmland, rural properties and conservation easements.
- Operational Leases: Lease tractors, combines, irrigation systems, and other machinery on terms that fit your operation.
- Beginning Farmer Loans: Access specialized financing, down-payment assistance and mentorship designed for new and transitioning farmers.
- Crop Insurance & Risk Management: Protect your yields and revenue with tailored policies and proactive risk management advice.
- Business Services: From accounting, records, payroll and taxes to appraisal, business consulting, dairy resources, farm succession planning and flexible payment options, we offer end-to-end guidance for your operation.
Farm Credit Knows Maryland Agriculture
Choosing Farm Credit means working with a cooperative that’s owned by its members and committed to your success. Because we’re part of the Farm Credit System, our earnings return to you through patronage, longer terms, and the kind of stability you can count on.
Our roots run deep in every corner of the state. We’ve financed poultry houses on the Eastern Shore, dairy expansions in Carroll County, vineyards around Frederick and vegetable operations on Delmarva. By analyzing decades of regional farm data—and working hand-in-hand with local extension agents, commodity groups and conservation partners—we craft financing that fits each enterprise’s unique cycle and market timing.
Whether it’s aligning harvest advances for potato growers, structuring winter lines for Christmas tree farms, or timing equipment loans to match planting schedules for row-crop operations, our solutions reflect Maryland’s full agricultural spectrum. Local expertise means you get a partner who understands your crop, your calendar and your commitment to the land.
"The traditional banks were not interested in lending to me, and so when I reached out to Farm Credit, they actually believed me."