Photo by Twylia J Sekavec

Farm Credit of Ness City Lease/Special Financing Options

We're here to help you grow and succeed financially.

There are plenty of reasons why you should do business with Farm Credit of Ness City:
  • Competitive rates
  • On-farm service
  • Seasoned, knowledgeable loan officers, expert in agricultural finance
  • Flexible terms matched to your seasonal income
  • Less paperwork
  • Extended maturities

Leasing Options at a Glance

Purpose For Example... Key Benefits
Capital assets • Vehicles
• Buildings
• Equipment, such as:     
    -tractors
    -combines
    -farm implements
    -dairy equipment
    -material handling
    -processing and packaging
    -irrigation systems
    

 

• Quick decisions
• Very competitive rates
• Tax advantages
• NO down payment
• NO points
• NO fees
• NO prepayment
• NO waiting. We'll give you an answer in one day.
• Volume discounts on vehicles
• Renewal, purchasing options
• Fixed payments
• New or used equipment and vehicles
• Lease "buy-back" option

Flexible terms that fit

Payments can be fixed for the entire lease term. You can choose monthly, quarterly, semiannual or annual payments or even skip payments. You can even delay your first payment for up to six months to match your cash flow. A lease can be structured from one to seven years depending on the equipment and its useful life.

Trade-Ins Apply Toward the Lease

When upgrading to newer equipment, older equipment may be traded in. The value of your trade may be applied against the lease, or paid to you and then applied to your first lease payment.

Special Financing Options at a Glance

Purpose For Example... Key Benefits
Special loan programs Young and Beginning Farmer Program The demands for capital and financial management make starting a new agricultural business difficult. That's why we offer special loans and financial services to young and beginning farmers and ranchers with a:

• solid business plan
• likely potential for success
• willingness to work hard
  Part-Time Farmer Program This program is designed for individuals who have off-farm income but also own and operate a farm or ranch operation to supplement this income. The part-time farmer program offers:

• competitive interest rates
• reduced paperwork
• quick processing time
• favorable credit underwriting standards
• Easy accessibility
  Guaranteed Loan Program Farm Credit of Ness City is committed to helping people enter agriculture.

• We'll help you prepare and submit an application to the Farm Services Agency for a guaranteed loan if your financial picture is not all that it could be.
• You'll need to meet FSA conditions to be approved for a loan.

To apply for a loan, call or e-mail the office closest to you. Nearly all decisions are made right in your local office with support from our administrative office in Ness City, as needed.