Agriculture Loans

As a Farm Service Agency Preferred Lender and a designated AgBMP Loan Program Lender, we know from experience how to make a difference in your farm or ag business. Whether it’s funding updates to your farm, helping you pay for new equipment, insuring your crops, or making sure you have the ag treasury management tools for your operation, we’re here every step of the way.

Agriculture Business Loans Offered

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

Hear From Our Ag Bankers

Matt Schuldt and Jerad Brown, Ag Bankers, share their ag lending insights with Pam Jahnke on the Mid-West Farm Report. Listen to this 12-minute podcast to learn how we work with those in the industry through different economic cycles.

Crop & Hail Insurance

Protecting your crops (and your future) against unpredictable weather is an essential part of your risk management plan. Our licensed crop insurance agents are here to help you be prepared, answer your questions and act quickly when claims arise.

Contact a your local Ag Banker by early March to protect your crops for the coming season.

Insurance provided through QBE NAU Country Insurance Company, an equal opportunity provider. Insurance Products: 

    • Are NOT FDIC Insured       • May Lose Value    • Carry NO Financial Institution Guarantee
• Are NOT Insured By Any Government Agency    • Are NOT Bank Deposits

The Merchants team has taken the time to understand our needs, as well as the needs of the Cannon Falls community. They are an important part of the Cannon Falls' economic vitality.

John Peterson

Ferndale Market

Loans are subject to credit approval and crop insurance is not required for loan approval.

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Treasury Management

Dedicated to your success, we provide your business with tools to manage your corporate cash efficiently and protect your financial accounts from fraud.


As your dedicated financial partner, we offer Wealth Management resources to help you plan for the future. Put our expertise to work for you. 

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