Tractor in a field with the sun behind

Agricultural Loans & Lines of Credit

Work with a Financial Team that Actually Understands Ag!

We know agribusiness. That’s because Union State Bank has been helping farmers and ranchers like you for more than a century! Our lenders are on deck and ready to talk with you about financial solutions for your unique needs. Contact Us Online to Begin the Loan Process or Contact a Loan Officer.
Here are a few of our products and services that can help grow your operation:
  • Crop input loans
  • Farm & ranch real estate
  • Feedlot financing
  • Letters of credit
  • Livestock financing
  • Machinery & equipment
  • Operating lines of credit
  • SBA loans
  • FSA guaranteed loans
  • Flexible payment options: Principal and interest payments, Interest only payments, Fixed interest rate, Variable interest rates
  • Copy of past three (3) years tax returns
  • Current financial statement
  • Cash flow statement
  • If real estate purchase, a copy of real estate purchase contract
  • Name of insurance agent and company that will be insuring collateral
  • Copy of photo identification (i.e. driver’s license – if new customer)
  • Know your cost of production
  • Have an accurate up-to-date balance sheet
  • Complete and utilize accrual adjusted income statements
  • Conduct enterprise analysis
  • Utilize key financial ratios in your business
  • Have a three-prong risk management program (revenue, inputs and interest rate)
  • Conduct sensitivity analysis on cash flow
  • Communicate with your lender if you have a problem
  • Utilize a business plan
  • Make an annual appointment with your lender