Business Loans

Small Business Administration (SBA) Loans: Low down payments, fixed and variable interest rates, and longer repayment terms make SBA loans an attractive financing option for growing small businesses. (Qualifying guidelines apply.) 

Commercial Lending: Options from short-term loans, seasonal lines of credit, to long-term business and commercial real estate loans.

Equipment Purchase: Loans designed to fit your equipment purchase needs. 

Real Estate Construction Loans: Financing options to maintain your cash flow while you complete construction. 

Commercial Real Estate Loans: Competitive loan packages for purchasing or refinancing.

Lines of Credit: Manage your cash flow with a line of credit that you can access, pay down, and use again as you need it. 

Letter of Credit: A guarantee to help you make a purchase or transact business with new suppliers who require payment security. 

Business Credit Cards: Visa® and MasterCard® credit card programs. (Cards issued subject to credit approval.)

Business Expansion: Show us your business plan so we can determine how we can support the growth of your company. 

Credit Card Application (PDF)

Agriculture Loans

Farm Loans to Help You Keep Growing. Agriculture needs capital to keep up with consumer demands and new technology. Farmers Trust & Savings Bank has helped growers and producers with agriculture loans for more than a century.

Operating and Livestock Loans

  • Operating Loans for all types of operations
  • Livestock Purchases
Land Financing
  • New Purchases
  • Refinancing
  • Investor Purchases
Facility Loans
  • Livestock facilities
  • Machine and grain storage facilities

Equipment Loans

  • New or used equipment
  • Competitive rates and flexible terms

Government Loans: Farmers Bank participates in various government guaranteed loan programs and works with young and beginning farmers.

Business Credit Cards: Visa® and MasterCard® credit card programs. (Cards issued subject to credit approval.)

Credit Card Application (PDF)


Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. 

EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number - as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity. 

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

Get started or learn more: Call, come in, or send us a secure message for information or assistance.