Agriculture – Loans & Financing
Farmers & Merchants State Bank values agriculture and recognizes the vital role farmers play every day in our local economy. We understand your business and its ups and downs. We have the experience and capacity to meet your farm's financing needs. We are dedicated to providing friendly service that is both timely and competitive so give us a call or stop in and let us customize our lending products to fit your unique needs.
Some of the financing products we offer include:
Lines of Credit
Farmers & Merchants State Bank can provide your farm with a Line of Credit to finance your operating needs. We understand how having credit when you need it gives you the flexibility needed in your competitive business.
When it's time to purchase new equipment come to Farmers & Merchants State Bank. We offer fixed and variable rate loans at competitive rates. Before you look to the manufacturer for financing, give us a call.
Real Estate and Construction Loans
If you are purchasing real estate or building new livestock or storage facilities, Farmers & Merchants State Bank can finance your expansion. We offer competitive rates and will provide timely and local service. No project is too big or too small.
FSA Guaranteed Loans
Farmers & Merchants State Bank works closely with the Farm Service Agency to offer guaranteed loans to select agricultural customers. FSA guaranteed loans are available for annual operating expenses, equipment and livestock purchases, and farm ownership.