Agricultural Real Estate Loans
At F & M Bank, we know and understand the special needs of farmers and growers.
F & M Bank specializes in loans to purchase or refinance farm real estate, farm building construction and renovation, and land improvements for your farming or growing operation.
A long-term, fixed interest rate farm real estate loan is one of our specialty products we can assist you with. With a F & M fixed rate farm real estate loan, the loan interest rate can be fixed for 10, 15 or 20 years with monthly, semi-annual and annual payment options available.
We also can work with you to access government programs such as Wisconsin Housing & Economic Development Authority (WHEDA) and Farm Service Agency (FSA) loan programs.
Agricultural Operating Loans
Your operation needs to have a team of professionals that works together to make your farm a successful, profitable operation. Your banker is an important part of that team. At F & M Bank we have the experience, the know-how and the products to help guide you to the best solutions for your farm or ranch.
And part of that solution is having access to operating funds when you need them to cover the cost of input, machinery and equipment repairs and acquisitions, cattle purchases, feed and the other costs associated with being a producer. F & M Bank has the right product to meet the need of your farm or ranch.
Running a successful farming or growing operation means making the right choices – especially when it comes to the equipment you need.
If purchasing equipment isn’t the solution that best fits your needs, F & M Bank can help you make arrangements to lease the machinery or equipment your farm needs. You get the needed equipment and the tax advantages you want.