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
  • Crop insurance*
  • 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
 
 
 
 
 
 
 
 
* Crop Insurance is not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank. These products are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the bank or (if applicable) an affiliate of the bank. In case of an insurance product that involves an investment risk, there is an investment risk associated with the product including the possible loss of value.