Montana Livestock Ag Credit

What Montana Livestock Ag Credit does

Montana Livestock Ag Credit, Inc. (MLACI) is a private Montana Business Corporation providing agricultural credit services exclusively to Montana ranchers and farmers. Originally incorporated under a federal charter in 1933 as Montana Livestock PCA under the Farm Credit Act, the entity was restructured as a Montana Business Corporation in 1985. The company operates from a single headquarters in Helena, Montana with a 1-10 employee footprint that includes credit officers covering Central, Hi-Line, Southeastern, and Western Montana by traveling on-the-ranch, supported by a corporate pilot in a company-owned Cessna 340.

MLACI's product set centers on five core offerings: (i) annual Operating Loans for ranch and farm operational needs with no loan fees or service charges; (ii) variable-rate Term Loans for equipment, machinery, real estate, and capital improvements; (iii) Long-Term Financing consisting of fixed-rate agricultural real estate mortgages originated for sale to Prudential Insurance Company or Farmer Mac with MLACI retaining the loan servicing; (iv) 3- and 6-month Debentures offered as unsecured investments to current and past customers, employees, and their families who are Montana residents; and (v) a Deferred Contract program that lets producers defer a portion of taxable commodity gains into a desired tax year. Funding comes from retained earnings, the debenture program, and a lending relationship with U.S. Bank.

The business model is sales-led and relationship-driven rather than platform-based. Customers are individual Montana agricultural producers identified through direct outreach, with no public pricing, no application API, and no mobile app; a basic client login portal (myaccount.ag-credit.com) is the only digital surface. Governance is exercised through a board composed almost entirely of Montana ranch operators, reinforcing the institution's positioning as a stockholder-owned, confidentiality-focused, geographically confined agricultural lender rather than a scalable fintech or branch-based depository competitor.

Name

Montana Livestock Ag Credit

Legal name

Montana Livestock Ag Credit, Inc.

Website

https://ag-credit.com

Company type

Private

Founded year

1933

Operating status

Operating

Headcount range

1–10 employees

Short description

Montana Livestock Ag Credit, Inc. is a private Montana stockholder-owned agricultural lender providing operating loans, term loans, long-term real estate financing, debentures, and deferred commodity contracts to ranchers and farmers across Montana, using an on-the-ranch service model with 1-10 employees headquartered in Helena.

Ownership category

akta.pro rank

Headquarters

HQ city

Helena

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Annual Operating Loans: Primary revenue stream providing annual operating loans for Montana ranchers and farmers. MLACI funds loans through retained earnings, debentures, and lending relationship with U.S. Bank.
2. Debenture Program: 3 and 6 month investment opportunities available to current and past customers, employees and their families who are Montana residents. Debentures are unsecured and competitively priced.
3. Long-term Mortgage Loans: Fixed rate real estate loans originated for the secondary market, sold to Prudential Insurance Company or Farmer Mac. Montana Livestock retains loan servicing, providing service income.
4. Deferred Contract Program: Allows producers to defer a portion of taxable gain of a commodity into desired tax year. Available to both customers and non-customers.
5. Term Loans: Variable rate term loans for equipment and capital improvements.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Montana Livestock Ag Credit, Inc. is a private Montana stockholder-owned financial institution that provides agricultural credit and lending services to ranchers and farmers across Montana. Its core offerings include annual operating lines of credit, variable-rate term loans for equipment and capital improvements, fixed-rate long-term real estate loans originated for the secondary market, three- and six-month debenture investments, and deferred commodity contract programs that allow producers to defer taxable gains into a desired tax year.

Product overview

Montana Livestock Ag Credit is a single-product agricultural lending institution offering a unified portfolio of financing services centered on operating credit for Montana ranchers and farmers. The core offerings include Operating Loans for annual needs, Term Loans for capital purchases, Long-Term Financing for fixed-rate real estate mortgages sold to the secondary market, and Debentures for investor relations. The company also provides Deferred Contracts for tax planning, complemented by service features such as on-the-ranch service, confidentiality commitments, and no-fee operating loans. This is not a platform-plus-modules architecture but rather a single institution providing integrated financial products to the agricultural sector.

Differentiator

Problem solved

Functional benefit

Products and services

• Operating Loans

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Prudential Insurance CompanycoreOthersSecondary market buyer for long-term agricultural real estate mortgage loans originated by Montana Livestock. Loans sold to Prudential while Montana Livestock retains servicing.
• Farmer MaccoreOthersSecondary market buyer for long-term agricultural real estate mortgage loans. Provides exit for fixed rate real estate loans originated by Montana Livestock.

Scale indicators2 records

Recent moves8 records

Expansion highlights4 records

Others

• Farmer Mac: Federal secondary market buyer for agricultural real estate loans. Comparable as a counterparty/ecosystem partner since MLACI sells long-term fixed-rate loans to Farmer Mac while retaining servicing.

Emerging players

• AgAmerica Lending: Non-bank agricultural lender specializing in ranch, farmland, and timber real estate loans. Comparable in targeting agricultural producers with long-term real estate and operating credit, but with a more digital-first, national model.

Broad incumbents

• AgCountry Farm Credit Services: Farm Credit System association serving producers across the upper Midwest and northern plains. Comparable in providing operating credit, term loans, and real estate financing to ranchers and farmers.
• Northwest Farm Credit Services: Farm Credit System lender covering Montana, Idaho, Oregon, Washington, and Alaska. Comparable ag lender with overlapping Montana territory and similar operating loan / real estate financing offerings.
• Farm Credit Services of America: Large Farm Credit System association serving Iowa, Nebraska, South Dakota, and Wyoming. Comparable as an established ag lender offering operating, term, and real estate loans to producers, though at much greater scale.
• Rabo AgriFinance: U.S. ag lending arm of Rabobank serving large commercial agriculture operations. Comparable in providing operating, term, and real estate loans to livestock and crop producers, but at a much larger institutional scale.
• Compeer Financial: Large Farm Credit System cooperative serving Illinois, Minnesota, and Wisconsin. Comparable ag lender providing operating loans, real estate financing, and leasing to producers.

Direct peers

• Yellowstone Farm Credit: Farm Credit System lender headquartered in Montana serving Montana, Wyoming, and North Dakota ranchers and farmers. Most directly comparable peer given overlapping Montana ag lending territory and Farm Credit lineage.

Regional players

• Stockman Bank: Montana-headquartered community bank with significant agricultural lending focus. Comparable regional competitor in Montana ag credit, though operating as a depository institution rather than a non-depository ag lender.
• Plains Commerce Bank: South Dakota-based community bank with a strong agricultural lending focus. Comparable regional ag lender serving ranchers and farmers, though operating as a depository institution in an adjacent geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mtlivestockagcredit
• LinkedInlinkedin.com/company/montana-livestock-ag-credit-inc-

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Montana Livestock Ag Credit