Loans

Loans

Farm Credit West provides flexible financing solutions for farmers and ranchers through our many loan products. Our experienced staff is standing by to visit your operation and learn about your financing needs. For more information, call your local Farm Credit West office.

  • Ag-Business Expertise

    Professional loan officers who understand all aspects of agricultural businesses. They make a point of getting to know you, your operation and its financial needs.
  • Local Decisions

    All loan decisions are made right in your local office, not in some distant location in Los Angeles or San Francisco.
  • On-Farm Service

    Loan officers come right to your place of business, walk your property and observe your operation.
  • Money at a Fair Price

    We are committed to providing the best value in the marketplace. Our rates are among the most competitive you’ll find. Low rates, combined with our robust Patronage program, make Farm Credit West the clear choice for your financing needs.

Real Estate

Whether you are financing a new purchase, refinancing your current loan or making farm improvements, we offer financing solutions designed to meet your individual needs. You'll find many convenient and money-saving features, including several rate and term options. Farm Credit West real estate loans are among the most competitive – and the most flexible – you'll find.

Below are some specifics on the Real Estate loan products we offer:

Real Estate Loan Products
Types of Financing Permanent crop development
New facility construction
Line of credit
Real estate purchase
Other capital needs
Collateral First lien on eligible real property
At Farm Credit West, our appraisals are completed by FCW licensed appraisers. This allows greater control and more flexibility
Rates Variable rates
Fixed rates available with several different options including no prepayment penalties
Terms Up to 30 years

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Operating

We understand how the cycles of farming can affect your business. We work with you to tailor a loan that fits your operational needs, and your cash flow. Our revolving line of credit allows you to borrow and repay funds as often as needed.

Below are some specifics on FCW Operating Loan options:

Operating Loan Options
Types of Financing Operating lines of credit
Collateral Operating loans are typically secured by a first lien position on the assets being financed (crops, livestock held for sale, and breeding livestock)
Rates Variable rates
Terms 1 - 4 years

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Equipment

Our financial specialists can help you acquire the equipment and machinery you need in a way that meets your financial parameters. We offer competitive rates, fast approval and convenient options.

Below are some specifics on FCW Equipment Loan options:

Equipment Loan Options
Types of Financing Purchase of new and used equipment such as Tractors, Implements, Harvesting Equipment, Processing Equipment, Winery Equipment, Solar Equipment, Facilities, and more
Collateral Equipment loans are secured by the first lien on the equipment being financed
Rates Variable rates
Fixed rates available with several different options including no prepayment penalties
Terms Loans, Capital Leases, and True Leases with terms up to 7 years

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Special Loan Programs

 

Irrigation Stewardship Program


As a farmer-owned cooperative, we are committed to helping our customers maintain a sustainable and environmentally sound operation. Through the Irrigation Stewardship program, financing is available to help provide reliable irrigation and water supplies.

Applications are being accepted for this loan program through December 31, 2018. Contact a Farm Credit West representative today for details.

Irrigation Stewardship Program
Types of Financing Servicing on wells
Drilling a new well
Installing irrigation delivery systems
Collateral Real property secured
Rates Reduced interest rates are available
Terms Up to 25 years on loans
Up to 7 years on leases

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Wildfire Recovery Loan and Lease Program


If your farm, ranch, or agriculture business were damaged or destroyed by wildfires in 2017, Farm Credit West can help you rebuild. For a limited time, take advantage of a special low cost financing program designed to get you back on your feet.

Funds are available through this program to repair wildfire damage or mudslides/erosion that  resulted due to the fires.

Wildfire Recovery Loan and Lease Program
Types of Financing Loans or leases to farmers, ranchers and agricultural businesses to repair/replace any capital improvements that were damaged or destroyed by wildfires in 2017. Damage can be from the actual fire itself or mudslides/erosion that resulted due to the fires.
Collateral Real property secured
Rates Reduced interest rates are available
Terms Up to 25 years on loans
Up to 7 years on leases

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Country Home Loans

We’re completely committed to providing a full range of products and services to meet the growing needs of the agriculture and rural communities in our territory. If you’ve been dreaming about a home in the country, turn your dreams into reality. We’ve entered into an agreement with Northwest Farm Credit Services to offer Country Home Loans, a Northwest FCS program.




Northwest Farm Credit Services’ Country Home Loans Program is specifically designed to meet the unique needs of rural property owners.

  • No acreage restrictions
  • Agricultural or residential zoned properties are eligible
  • Income-producing properties are eligible
  • Appraised value can include barns, shops, outbuildings or riding arenas
  • Custom, modular, log and manufactured homes are eligible

Country Home Loan Products
Types of Financing Country Home Loans for dwelling, improvements and land
Bare Land & Lot Loans
All-In-One Construction Loans, combining land and construction in one loan

Northwest Farm Credit Services offers a variety of programs and interest rates to fit your needs. For more information concerning Northwest Farm Credit Services’ country home loan products contact Matt Macedo at 559.697.4943. NMLS#1729210

Email Matt

Northwest Farm Credit Services may offer country home loans in areas served by Farm Credit West, ACA with their express written consent. If made, any Country Home Loan in an area served by Farm Credit West Services, ACA will be owned and serviced by Northwest Farm Credit Services, FLCA. Northwest Farm Credit Services, FLCA is a member of the nationwide Farm Credit System. Certain conditions and restrictions may apply. All loan actions are subject to program availability.

 Northwest Farm Credit Services is an Equal Housing Lender
Northwest Farm Credit Services is an equal opportunity provider and employer