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Farmers & Stockmens Bank will be closed Monday, October 14th in observance of the Columbus Day holiday. The bank will be open for regular business hours on Tuesday, October 15th.

Commercial Loan Services

Commercial Loan Services

Our community was quite literally built from the ground up — and we believe agriculture-related businesses are essential to our future, too. To support these endeavors, Farmers & Stockmens Bank is an approved Farmer Mac and USDA Farm Service Agency Guarantee lender, enabling us to provide many different financing options for agriculture-related entities, such as real estate, livestock, crops, and machinery and equipment. We are also an approved Small Business Administration lender with financing options available for small commercial businesses.

From USDA Farm Service Agency Guaranteed Loans to Conventional Ag & Commercial Loans

Farm, Ranch & Livestock Loans
  • Farm and ranch operating expenses
  • Cattle and other livestock purchase and expenses
  • Term financing for new and used machinery & equipment purchases

 

Farm & Ranch Real Estate Loans
  • Farm and ranch purchases and refinance
  • Farm and ranch improvement construction
  • Rural home loans
  • Recreational property
USDA Farm Service Agency (FSA) Guaranteed Loans

This agriculture-related product is designed to provide a wide array of options and features to start, improve, expand, transition, market and strengthen family farming and ranching operations, including:

  • Minimal down payment requirement
  • Both variable and fixed rate options, from 1-40 year terms
  • For beginning ag producers and producers with limited financial strength
Farmer Mac Farm & Ranch Loans

This program provides attractive fixed and variable rate loans specifically for agriculture real estate-secured financing.

  • Fixed-rate mortgages, 7-30 year terms
  • Adjustable-rate mortgages, 5-25 year terms
  • Variable-rate mortgages
  • Minimum of 5 acres agriculture property
  • Up to $50 million

Contact Larry, Jordan or Nick to get started, or learn more about the variety of commercial and ag lending options available. 

SBA Loans

SBA (Small Business Administration) Loans are sometimes associated with high-risk businesses and processes slowed down by red tape. With today’s SBA program, that couldn’t be farther from the truth. We are part of the SBA’s Preferred Lending Program (PLP), which means Farmers & Stockmens Bank has the authority to approve, process, and close the loan on the SBA’s behalf. This means you benefit from a streamlined and competitive loan process.

Most small businesses are eligible for SBA financing, making it the product of choice thanks to flexible and favorable terms. However, to ensure a smooth process, it’s vital that you work with an experienced SBA lender like those with Farmers & Stockmen’s Bank. Our lenders’ process and knowledge truly differentiate an exceptional client experience from one that is clouded with questions and concerns.

Farmers & Stockmens Bank offers two types of SBA loans:

7(a) Loan: The more versatile of the SBA financing options, proceeds from a 7(a) Loan can be used for commercial real estate, property improvements, business acquisition, equipment, inventory, debt, refinance, working capital, and much more. These loans can be permanent or revolving and may range from one to 25 years.

504 Loan: For long-term loans for land, buildings, and other substantial fixed assets, a 504 Loan is our suggested option to cover a greater portion of financing needs upfront.

As a small business owner or entrepreneur, the best way to find out how you can take advantage of these programs is by connecting with the Farmers & Stockmens lending team today.

Let us help find the right loan for you.
Get in touch