Commercial Lending

We’re in this together.

Business Loans

Complex deals are our specialty. Our lending experts are focused on helping small business owners obtain financing, no matter what challenges you may have faced in the past. This consultative role brings a value-added perspective throughout our relationship.

Agribusiness Lending
Commercial Lending
Commercial Real Estate Lending
Equipment Financing
Small Business Working Capital
Health Care | Dental

Customized loans are also available, and solutions can be created to meet your individual needs.

Benefits:

  • Competitive bank rates
  • Up to 25 year terms
  • Flexible down payment options
  • Customized loan and deal structures
  • Transparency throughout the loan process

Uses:

  • Ground-up construction
  • Acquiring clients or books of business
  • Buying out or acquiring practices/firms
  • Expanding an existing office space
  • Commercial real estate transactions
  • Restructuring debt

Agribusiness Lending

Farmers Bank has specialized in ag lending for 100+ years. We finance agricultural land purchases, warehouse operations, grain storage, crop production and farming equipment.


Farmers Bank offers financing for all types of agribusiness:

Loans can be structured on a revolving, seasonal or term basis, and repayment can be structured to work with your cash flow.

 

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Commercial Lending

Farmers Bank offers flexible loans to meet the financing needs of your business, as well as lines of credit for your seasonal cash needs, receivables financing, inventory financing and short term cash flow.


Loan Features

Loans can be structured on a revolving, seasonal or term basis, and repayment can be structured to work with your cash flow.

Loan Types

Customized loans are also available, and solutions can be created to meet your individual needs.

 

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Commercial Real Estate Lending

Farmers Bank offers financing for land acquisition and development as well as construction of residential housing and commercial properties. Farmers Bank offers permanent loans on commercial real estate with amortizations ranging from 15 to 25 years and maturities of 5 to 7 years.


Loan Features

Loans can be structured on a revolving, seasonal or term basis, and repayment can be structured to work with your cash flow.

Loan Types
Business Development

Farmers Bank creates business development opportunities with:

Residential Building

Farmers Bank provides residential building financing with:

Our dedicated staff of Commercial Real Estate Specialists offer industry knowledge and market area expertise, and can help structure a loan that meets your needs.

 

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Equipment Loans

Farmers Bank can help you purchase or lease the equipment or vehicles you need for your business. We provide loans and leases to companies of all sizes, and routinely handle large-scale transactions. We can even help you provide financing options to your customers.

 

Equipment Financing:

Farmers Bank offers a number of lease and loan options. When you finance, rather than purchase outright, your working capital remains available for other business opportunities. The use of your equipment can also help you generate revenue to cover your payments.

If you choose a loan option, your terms can be set to correspond with the life of your asset, and your repayment schedule can be structured to fit your cash flow. Leasing equipment can be a cost-effective alternative to a loan. It may be the right option if you do not want to own equipment that may become obsolete quickly.

Features:

  • Fixed rates for the complete term
  • Loan and lease programs tailored to meet your company's needs
  • Lease terms structured to comply with your company's accounting or tax regulations
  • Tax advantages
  • Full range of financing options—capital leases, loans, equipment finance agreements, terminal rental-adjustment clause leases, and operating and fair market value leases

A corporate equipment financing specialist may be able to arrange other equipment financing needs not specifically addressed here.

 

Corporate Equipment Financing:

Our corporate equipment financing experts offer assistance with large-scale transactions. Our specialists routinely administer transactions of $2 million or more.

features:

  • Financing specialists well-versed in both the tax and accounting treatments of larger transactions
  • Ability to cover needs totaling $2 million or more, depending on client size
  • Full range of financing options—capital leases, loans, equipment finance agreements, terminal rental-adjustment clause leases, and operating and fair-market-value leases
  • Financing agreement options tailored to meet your specific situation

A corporate equipment financing specialist may be able to arrange other equipment financing needs not specifically addressed here.

 

What We Finance:

Farmers Bank provides financing for a wide range of items to meet your business needs.


Industrial Equipment

  • Manufacturing
  • Materials handling
  • Construction
  • CNC machinery/metalworking
  • Mining for coal, oil or gas extraction
  • Office Equipment

Furniture and fixtures

  • Information technology
  • Commercial printing press
  • Medical equipment such as MRI or CAT scan

Transportation

  • Fleet vehicles such as cars, trucks or vans
  • Corporate aircraft
  • Water
  • Tractors or trailers

A corporate equipment financing specialist may be able to arrange other equipment financing needs not specifically addressed here.

 

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Small Business Working Capital

Working capital provides financing that can be used to help your company purchase raw materials, supplies and equipment to fulfill an sales order and cash flow.


Loan Features

Customized loans are also available, and solutions can be created to meet your individual needs.

 

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Health Care & Dental

Professional service providers within the medical and healthcare industries have particular financial needs that have to be met by an organization that understand those needs. Farmers Bank Funding offers a specialized healthcare financing program designed to support the business operations of dentists, physicians, veterinarians, and even chiropractors.


Loan Types

Customized loans are also available, and solutions can be created to meet your individual needs.

 

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Veterinary

Working with devoted veterinarians, we understand what it takes for your practice to grow and succeed. If you’re looking to begin a ground-up construction project, acquire a practice, refinance or make improvements, we're the right lending partner for you.

Customized loans are also available, and solutions can be created to meet your individual needs.

 

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Hotel

As a hotel owner, your mission is to graciously accommodate your guests. Farmers Bank has the same philosophy when it comes to helping you build your hotel business.


Loan Types

Customized loans are also available, and solutions can be created to meet your individual needs.

 

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Restaurant

Farmers Bank understands no two businesses or business owners are alike and that's why we look at each scenario individually to ensure that our clients get the financing that fits with their businesses goals and needs. By looking at each business on an individual basis, we are able to approve many more business owners than our competition.


Loan Types

 

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