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Eastern Michigan offers a variety of financing options which can be tailored to meet the unique needs of your operation. And because we are a locally owned community bank, the decision-making process remains local as well. 

Types of financing we offer:

  • Machinery and Equipment loans
  • Vehicle loans
  • Working capital lines of credit
  • Agricultural real estate loans
  • Construction loans
  • Permanent end financing
  • Land development loans
  • Livestock loans
  • USDA/FSA guaranteed loans (We are an FSA Certified Lender)
  • Fixed-rate loans with terms up to 25 years

Here are a few things your lender may ask you for:

  • Last three years of fiscal year end balance sheets
  • Last three years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last two years federal tax returns on proposed borrower

All requests require:

  • Articles of Incorporation (if a corporation)
  • Partnership Agreement (if a partnership)
  • Articles of Organization (if a LLC)
  • Use of proceeds

Contact an agricultural lender in your area to get the process started!


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