Agricultural Loans

Start, maintain or grow your farm operation with the help of Farmers & Merchants Union Bank ag loans. We understand that financial flexibility is the key to your farming success. We’ll work with you to create a financing package suited to your needs, with a payment schedule to match your cash flow.

 

Knowledge is Power

We are dedicated to the individual needs of our local farmers and recognize that those needs can vary greatly. We understand that cash flow isn’t always predictable, as well as the need to expand your fleet or your herd. Land is the heart of any operation. Whether you want to expand into new ground or transition the family farm to the next generation, we can help.

We work with all farm loan programs including FarmerMac, FSA, SBA 504 and the USDA REAP to find the right fit for you. We are a preferred FSA lender and can streamline and expedite loan approvals quickly.

We can help with:
  • Operating Loans
  • Livestock & Machinery Loans
  • Ag Real Estate Loans
  • Farm Service Agency Guaranteed Loans

We Also Offer

Ag Insurance Options

Farmers & Merchants Union Bank works in conjunction with Great American Insurance Group serviced by The Richards Agency of Columbus to offer crop and revenue protection policies.

Crop-Hail Insurance

No one can predict the severity of damage that hail can do to your crops. It could be a minor loss or a complete disaster. Be prepared this farming season.

Yield Protection and Revenue Protection

In times of crop loss, Yield Protection Insurance gives you the confidence to forward contract more of your crops. Revenue Protection Insurance guarantees a per-acre income if loss comes from lost production or price reduction. Coverage amount may increase if prices increase.

Ag Leasing Options

Whether you need additional equipment, more high-tech equipment or you have machinery down for repairs, leasing may be an option to keep your farm operation running smoothly.

Leasing can also offer financial advantages; it can free up cash flow, and in some cases it can offer lower after-tax cost than traditional financing or outright purchases.

Leasing options can be structured in a variety of ways and can even be set up to meet your harvest cycle, cash flow or tax requirement needs.

Begin the Ag Lending Process

It’s important to work with a local, experienced financial professional you can count on. Give us a call or email, or stop in to speak with one of our ag lenders.

What You May Need to Get Started:

  • Current Financial Statements (here's a spreadsheet to help you get started)
  • Previous 3 years Tax Returns
  • Current Year Operating/Business Plan

To apply for an agriculture loan, reach out to one of our ag lenders today.

Greg LeCaptain

Greg LeCaptain

Columbus, Fall River, Juneau and Rio locations

(920) 623-7115
Email Greg 
NMLS ID# 757536

Doug Lambert

Doug Lambert

Columbus, Fall River, Juneau and Rio locations

(920) 623-7104
Email Doug 

Mike Hemling

Mike Hemling

Columbus, Fall River, Juneau and Rio locations

(920) 623-7102
Email Mike 

Sheila Posthuma

Sheila Posthuma

Friesland location

(920) 348-5141
ext. 2501
Email Sheila 
NMLS ID# 466030

 

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