We partner with farmers and business owners to help create prosperous farming operations and ag-related businesses. Our experienced ag banking team, some of them farmers themselves, will partner with you to understand needs specific to your operation. Fill out our form to get in touch.


Merchants Bank is a Farm Service Agency (FSA) Preferred Lender and a designated AgBMP Loan Program Lender.

We offer market competitive rates and terms for our agriculture loans:

  • Ag Loans provide financing for your farming operation (including working capital and input costs), equipment, capital improvements and more.

  • Beginning Farming Loans/Start Up Loans provide financing through a partnership between Merchants Bank and the Farm Service Agency (FSA). These loans are typically for new farmers (with less than 10 years of farming experience) and, in most cases, can provide more flexible down payment options.

  • Agriculture Real Estate Loans are typically used to acquire farmland, refinance your debt or improve your current property.

  • Lines of Credit are a flexible source of funds to help you manage your day-to-day financial needs, such as crop inputs, land rental, market livestock or feed.

  • Fleet/Truck Loans provide rolling stock financing for your truck and fleet operation.

  • Lease Financing can provide flexibility and additional options for your agricultural operation.

Plus, try our business calculators to help you estimate potential financial payments, payoffs, margins and more.

Subject to credit approval.