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Farm family: mother, father and two sons with truck and combine

Operating Loans

Flanagan State Bank is dedicated to supporting our local farmers by offering services that provide a competitive edge. We emphasize cash flow analysis in loan decisions to help improve your business.

FSA Operating Loans/Machinery Programs

In Central Illinois, Farm Service Agency (FSA) guaranteed loan programs offer reduced interest rates, including a 4% interest rate reduction for qualified borrowers needing operating or machinery loans. These loans, backed by the federal government, help farmers with tighter cash flows invest in their operations without requiring a family guarantor or co-signer.

Summary

  • Low-rate loans for various agricultural needs
  • Affordable payment plans
  • Local decision-making for faster approvals
  • Experienced lenders familiar with the Central Illinois agriculture market

Whether you have questions or are ready to get started, reach out to a member of our Ag Lending Family or contact us to learn more.