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Lending

We’re here…to help you grow.

You have plans for your operation. Projects. Expansion. Growth. You have the know how to get the job done. We’re here to help you with the financing that will help your ag operation thrive.

Our experienced Ag lending team will take the time to understand your goals and develop a customized financing program to help you achieve them. Local decisions mean faster turnaround time for you, so you can get back to business.

Lines of Credit

A line of credit is the perfect way to manage your company’s short-term funding needs. Use it for seasonal cash flow or for business expansion.

Term Loans

Whether it’s for capital improvements or equipment, refinancing existing debt, or working capital, term loans are flexible and can cover a wide range of borrowing needs.

Long-Term Real Estate Financing

If you plan to purchase property or refinance existing property, we offer 10, 20, and even 30 year fixed rates to qualifying borrowers. Talk to your lender about minimizing your interest rate risk by locking in a long-term fixed rate.

Construction Loans

Ready to build a barn, finishing building, or grain bin? An agricultural construction loan is the way to get your project completed.

Inventory Loans

Holding onto some of your harvest while expecting a price increase? An inventory loan lets you keep your growing year totals separate and frees up your operating line of credit.

Livestock Lending

If you’re in the livestock business, we’re ready to work with you and your individual situation, whether that’s expanding your herd, buying cattle, or bringing in swine. Our livestock loans are specific to species and breeding stock versus market stock.

Equipment Financing

Need new equipment in order to grow and stay ahead of the competition? We can provide the financing to make it happen. Whether it’s updating your computer system or purchasing commercial vehicles or equipment, we can finance it with payment terms designed to work within your budget.

Enhancements Loans

As an approved lender, First Farmers Bank & Trust can help you obtain loan programs through SBA (Small Business Administration), FSA (Farm Service Agency), and the USDA /Business & Industry program. These programs offer a variety of assistance for specialized applications to help your business get started or expand.

Credit Cards

At First Farmers Bank & Trust, our industry leading credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs. Learn more.

Your Location:

Our Flora Location

27 West Main, Flora, IN 46929

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Maggie Scholl

Administrative Assistant/CSR

574.655.4234

Email Maggie