Loans By Type
Understanding how YFC can help your business
We think lending should be as simple and efficient as possible. We forecast every aspect of a customer’s operation to determine how income and expenses fit the budget. It’s a transparent process that helps us better fit our customers’ needs, and it sets us apart from other lenders.
Real Estate Loans
Our accomplished staff has a wealth of experience in custom-tailoring flexible and competitive loans to meet your real estate financing needs to grow or start your business. Common real estate financing uses include farm and ranch purchases, orchard and vineyard developments, refinancing other lenders, recapitalization of businesses, and more.
Construction Financing
Our construction loans provide financing for a wide variety of projects and are tailored to the specific needs of our customers. These construction loans are related directly to growing your ag business.
Dairy Loans
We help customers build everything from lagoons to robotic milking machines from the ground up.
Examples of dairy industry loan improvements include milk barn remodels, free-stall construction, lagoons, and digesters. With a dedication to building long-term relationships, our industry experts use their knowledge of milk production and processing to provide lending solutions tailored to your business.
Orchard Development
Development loans broadly cover expenses such as agronomy, environmental due diligence, groundwork, planting and irrigation system development, to name a few. We provide our customers the time they need to build and grow during the tenuous and financially demanding early years of an orchard’s life.
Operating Loans
Our farm operating loans and lines of credit can help you manage the day-to-day expenses so your business can focus on the future. An operating loan or revolving line of credit can provide much-needed liquidity. Whether it’s used for repairs, feed or seed, more cash on hand can help keep your operation running smoothly.
Crop Loans
That may include pre-harvest and harvest overhead expenses such as debt service, fixed capital, living expenses and taxes.
Livestock
Cow/calf loans are for funding operating needs, breeding bulls, or replacement heifers; herd loans are typically used for the purchase of cattle, quota, equipment, and capital improvements; and stocker loans are short-term financing for the purchase, feed, maintenance and care of stocker cattle. In addition, we have feed and farming credit lines as well as prepaid feed lines so our customers can purchase feed for year-end tax planning purposes.
Ag Tech
Our team evolves with the times.
Just like our customers, we continue to learn how to use technology to become more efficient. Examples of loan requests include items such as electronic tractors, automatic tree shakers and spray rigs, solar, robotics, and more. Our flexible nature allows us to tackle interesting challenges our customers face.
Inquire Today To Get Started
Our loan officers and branch teams are here to help!