Two people chatting in a field

Ag Lending

At F&M Bank, we are proud to have assisted farming operations expand and grow their business over the years. Our goal is to continue to be a resource for new and existing ag producers grow and remain profitable in the future. We offer the following lending products to attain these goals:

Operating Lines of Credit available

  • Short-term use
  • Crop inputs
  • Operating expenses
  • Feeder livestock purchases

Livestock and Equipment Loans

  • Structured financing for new and used farm equipment
  • Financing available for breeding livestock

Real Estate Financing

  • New construction for hog and cattle facilities
  • Long term, fixed rate financing for the purchase/refinance of farm land

Government Program Options

  • LIFT Loan Program: The Small Business Linked Investments Program will inject capital into small businesses and farms owned and operated by Iowa residents
  • FSA Guarantees: Provides financing for agriculture operating, intermediate, and long term needs with interest rate reduction options available
  • SBA Guarantees: Provides financing options for intermediate and long term needs
    Beginning Farmer Loan Program (IADA): Provides loans to new farmers with attractive interest rates and terms

Financial Statement Forms