Username
Password

Username
Password

AGRICULTURE LOANS

Operating expenses. Equipment. Farmland. Agri-business.

Compare and decide for yourself.

Choose from a range of business loans designed to boost your growth. Work with lenders who know agriculture and how to tailor solutions to your operation.

Compare	AG TERM LOANS	SHORT TERM OPERATING NOTES	OPERATING LINES OF CREDIT	AGRI-REAL ESTATE LOANS	FARM EQUIPMENT LOANS	SPECIALIZED LOAN PROGRAMS
Works for you if…	You want a general-purpose ag loan with flexible terms	You need a quick cash infusion with flexible terms	You want working capital or a way to manage shifts in seasonal needs	You’re ready to buy your own farm or expand your existing one	You need to finance or refinance new or used equipment	You want to explore FSA guaranteed loans, Ag Link loans and other business loan options
Flexible repayment terms
Local decisions and processing
Lenders with expertise in local agricultural standards
Great service and customized solutions
Amortizations without balloons	N/A	N/A	N/A		N/A	N/A
Online/Mobile Application

What’s it like banking with us? See for yourself.

"On behalf of the Champaign Family YMCA’s Board of Trustees, our members, and the hundreds of youth we serve each year I offer heartfelt appreciation for Farmers & Merchants State Bank’s contribution of $5,000 to our Y’s 2021 Invest in Youth Campaign”. stated, “trusted partners like Farmers & Merchants enable our nonprofit to ensure that no area youth are denied access to the Y’s programs and facilities because of financial limitations.”

Paul Waldsmith, CEO

The YMCA

"Our family business has experienced amazing growth and success over the last few years, and that would not have been possible without our relationship with Doug Shaw at F&M Bank. Doug has given us many options to enhance how we operate, allowing us to navigate the economic environment. F&M has allowed our business the opportunity to have an even bigger positive impact on our customers, employees, and the community. We are very grateful to have a local bank that shares the same values that we do, and look forward to a bright future!"

Brock Mealer

PAHL Ready Mix Concrete

“I have been with Farmers and Merchants State Bank for 27 years now. I have worked with Allan on numerous funding projects. I have not met a better man when it comes to what is best for me and my business as well as the bank in general. Allan has constantly followed up with us on how the bank is doing for us, and if there is anything that they can be doing better. Allan goes above and beyond, what I feel is his call of duty and I’m happy to call him my friend.”

Jim Rivello, Owner

McDonald's Restaraunts

We Know Agri-Business

Recognized on American Banker’s Top 100 Farm Lender list, we're among the lending industry's best. Our lenders take the time to understand your operations and tailor solutions to fit.

AGRICULTURE LOANS

Compare and decide for yourself.

What’s it like banking with us? See for yourself.

Paul Waldsmith, CEO

Brock Mealer

Jim Rivello, Owner

We Know Agri-Business

James Collins

AVP | Commercial/AG Banker

Chad Harris

AVP | Commercial/AG Banker

Kirk Keiser

Agri-Finance Banker

Kirk Wensink

Agri-Finance Banker

Blake Fox

AVP | Commercial Portfolio Manager

Micah Hefty

VP |Commercial/AG Banker

Derek Loeffler

AG Portfolio Manager

Mike Schnitkey

SVP | Agri-Finance Manager

Ken Schoen

AVP | Commercial Banker/AG Banker

The F&M blog