A Bank of North Dakota (BND) participation loan — made through the borrower's local lender — that helps North Dakota farmers and ranchers finance annual operating-year expenses. BND buys a participation in the local lender's loan at a reduced interest rate to lower the producer's cost of borrowing.
Eligibility
North Dakota farmers and ranchers with a debt-to-asset ratio above 50% or a net worth under $1.5 million. The producer is the ultimate borrower; the loan is arranged through a partnering local lender.
Terms
BND participation is up to $750,000 or 65% of the loan, whichever is less. Interest rate is approximately 1.00% below BND's base rate.
Application Instructions
Apply through a local lender that partners with Bank of North Dakota. The local lender originates the loan and submits the participation request to BND.
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Updated September 1, 2026
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