Fresno Madera Farm Credit - Products & Services

Control of your cash flow and immediately available credit are two of your most powerful money management tools. A Revolving Line of Credit from Fresno Madera Farm Credit can support your cash flow with instantly available funds for capital purchases or operational expenses. Our one-time application allows you to choose the rate options and terms suited for your operation. With our RELOC product, you have the flexibility of a revolving line and the assurance of a competitive rate. Funds may be withdrawn as needed and you may pay down the line at any time.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Young, Beginning & Small Farmer Program
Building relationships...
Helping tomorrow's farmers today.

Fresno Madera Farm Credit has been in agriculture for over 85 years and we know how difficult it can be to start a new ag venture. We encourage young, beginning and small farmers/ranchers by having a loan program specifically designed to meet your needs. Our experienced loan specialists will guide you through the lending process to get you the answers you need.

For your future and the future of farming, call one of our Loan Officers today to learn more about our Young Beginning and Small Farmer program! (559) 277-7000.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

"Quick Loan" Programs

At Fresno Madera Farm Credit, we believe that the future of America is rooted in agriculture. If agriculture is in your future, one of our Quick Loan programs may be the perfect solution for you!

Quick Commercial Loan (QCL)

24 hour commitment time
Competitive rates and terms
Operating and term loans
Access to Ag Specialists
Loans up to $500,000
Loans customized to your needs
Non-farm income can be used to qualify

Quick Mortgage Loan (QML)

Three-day conditional commitment
Competitive rates and terms
Access to Ag Specialists
Loans up to $500,000
Full term loans from 10 to 25 years
Non-farm income can be used to qualify
Funds can be used for:
- Refinance
- Purchase
- Development

These loans are a great option for small and part time farmers. Contact Ag Specialist John Brandon at 906-8645 or 276-4868 for more information.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Project Loans are not offered at this time

Top

Commercial Operating Loans
We start with understanding…
your business, your needs.

Dedicated to the demanding needs of farmers and agribusiness, Fresno Madera Farm Credit loans are available for crops, livestock, dairy, feed, working capital, agribusiness accounts receivable and inventory.

The heart of our company is our ag loan specialists - individuals who understand the diverse needs of farmers and agribusiness. Your ag loan specialist can offer you the choices that can help eliminate uncertainty and save you money. Whatever your loan needs: revolving lines, monthly budgeted loans or multi-year financing, Fresno Madera Farm Credit can provide customized solutions with flexible terms and repayment dates based on your cash flow.

As a Fresno Madera Farm Credit member you will enjoy competitive rates, including fixed-rate choices.

Our crop insurance programs, as well as our credit life and disability options, help provide security for you and your family.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Development Loans
Making time work for you…
with flexibility and leadership.

When it's time to grow, turn to Fresno Madera Farm Credit for development loans. Development loans are offered for real estate improvements, such as permanent plantings, new irrigation systems and vineyard conversions.

Our ag loan specialists will tailor a program to help grow your business while preserving working capital. Along with competitive interest rates and minimal fees, we provide the service you need with finance options such as flexible repayment terms, multiple fixed-rate choices and interest-only options during the development period. In addition, a first mortgage position may not be required. At completion of your development, long-term financing can be considered.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Construction Loans
Building a sound future…
with your ag financial specialist.

Whatever your construction needs - residence, dairy facilities, cold storage or packing facilities - Fresno Madera Farm Credit has a loan package that can be tailored for you.

Our ag loan specialists know your concerns and can offer you competitive choices, such as variable or fixed-rate options, flexible repayment terms and dates to help eliminate uncertainty and save you money. Complete one-time construction and financing packages assure that Fresno Madera Farm Credit will be there throughout the project with no need to reapply for a take-out mortgage following construction.

As a Fresno Madera Farm Credit member you'll save on up front out of pocket fees, no prepayment penalty options and no secondary loan costs or fees. Interest-only options during construction help maximize cash flow. Our credit life and disability insurance options help provide security for you and your family.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Conventional Mortgage Loans
Financial management through real estate…
turn to us for answers.

Nowhere is our willingness to meet your needs more apparent than in Fresno Madera Farm Credit mortgage loans. Mortgage loans with flexible payment terms and dates are available for a multitude of purposes: to purchase farm real estate or rural homes, to refinance real estate debt, fund improvements and to replenish working capital. Flexible terms from 10 to 30 years, in either variable or fixed-rate options, make certain you receive the best loan program for your specific needs. Prepayment options are also available.

As a Fresno Madera Farm Credit member, you'll save with minimal closing costs; and with our mortgage loans, an ag financial specialist stays with you for the life of the loan.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Crop Insurance Services

Risk management…
being one-step ahead of the situation.

Weather-related damages are a fact of life in the farming industry. While we can't control the weather, we can help you minimize the risk with comprehensive crop insurance.

Crop Insurance referrals upon request.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Voluntary Advanced Conditional Program

Earnings from investment…
making your cash work as hard as you!

Maximize your earnings with a qualified Fresno Madera Farm Credit VACP account. With our high rates, potential yields surpass traditional accounts and have no fixed time periods for withdrawals.

As a Fresno Madera Farm Credit member, you will have no minimum opening deposit requirement. You will have no service fees, unlimited deposits and a comprehensive monthly statement upon request. Access is simple: by phone, in person, or electronically.

Ask your Farm Credit specialist for complete information to determine if our Voluntary Advanced Conditional Program can work for you.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Leasing

Keep working capital working…
with leasing programs that make sense.

The benefits of leasing are well known: no down payment, 100% tax deductibility and expanded credit availability. You can enjoy both lower payments and conserve your working capital while having the equipment your business demands. Highly flexible Fresno Madera Farm Credit leases are available for capital goods, such as cars, trucks, equipment, irrigation systems, processing and packaging equipment and buildings. With an advanced, pre-approved lease from Fresno Madera Farm Credit, you can select a program best for you and still maintain your cash reserves. Flexible payment and lease-end options let you tailor a lease that best meets the needs of your operation.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Electronic Banking (ACH)

Addressing your lifestyle…
with convenience and control.

Electronic and automatic transfers, deposits and payments can add versatility and time-saving convenience to your monthly banking routine. Reduce trips to the bank and let Fresno Madera Farm Credit handle all your pre-approved transactions. There are no set-up, transfer or deposit fees and written notification of all transactions will insure that you are kept informed. Sign up at your Fresno or Madera office today.

Fresno Madera Farm Credit is an equal opportunity lender.

Top

Credit/Disability & Life Insurance

Fresno Madera Farm Credit offers optional Life, Mortgage Life and Disability, and Premier Series Insurance through Minnesota Mutual Life Insurance Company. Minnesota Mutual has received A. M. Best's highest rating (A++) for over 50 years. The credit life and disability insurance is purchased at the time that a commercial loan is made. FMFC adds the premiums into the loan commitment. Premiums are determined by the size of the loan and age of the borrower.

Mortgage insurance is typically purchased at the time of loan booking. The premier life program, however, can be purchased at any time during the life of the loan. Again, premiums can be financed through FMFC. In most cases, the borrower must pass a physical exam. The customer gains peace of mind in knowing that his loan payments will be kept current and/or paid in full.

Fresno Madera Farm Credit is an equal opportunity lender.

Top