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AGRICULTURE

Your Farm is more than just a business. It’s your livelihood.

We want to make sure you’re set up for success. Ag is in our DNA. Our dedicated Ag team has been around farming all their lives and understand the financial risks involved for farm families like yours.

We care about more than just the transaction. We care about your farm and your family.  Pillar Bank works hard to build a relationship with each family so that we can better understand your goals and what success means to you.

When you partner with Pillar Bank, we will help you…

  • Improve output for your farm and gain efficiencies
  • Improve cash flow
  • Offer flexible and tailored solutions to meet your unique needs
  • Build a budget that will flex with changes out of your control
  • Understand where to go next and how to move forward in hard times
  • Know your yield and at what point it makes the most sense to invest
  • Work through projections on a per-acre basis, production per cow, and more
  • Secure loans to buy new equipment with the technology you need to make an impact on your farm  

Your Ag Loan Options

Let us be your production partner.

Whether you’re just starting up and making your first big purchase or you’re looking to grow or diversify your operation, Pillar Bank has the right loan option for you.

Working Capital Loans

Best For:

  • Purchase crop inputs, feeder livestock, or feed
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Benefits:

  • Borrow, repay, and re-borrow funds throughout the loan term
  • Credit lines are available to complement your cash flow needs
  • Various loan programs offer flexible repayment terms with payments made monthly, quarterly, or annually to correspond with the timing of your cash flow
Personal Property Loans

Best For:

  • Purchase breeding livestock and machinery
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Benefits:

  • Easy-to-budget fixed payments, with amortizations of up to seven years
  • Fixed-rate financing
  • Flexible payment options to fit your cash flow needs
Farm Real Estate Loans

Best For:

  • Purchase or refinance land and buildings
  • Improvements, construction, and renovation projects
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Benefits:

  • Typical repayment is up to 20 years
  • Fixed rate financing option
  • Flexible payment options to fit your cash flow needs
Farm Service Agency Guaranteed Loans

As an FSA Preferred Lender (PLP), Pillar Bank works extensively with the FSA guaranteed loan programs.

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Best For:

  • Farmers who do not qualify for conventional financing
  • Start-up or transitioning farm operations to the next generation

 

Benefits:

  • Our qualified lending personnel completes all loan documentation
  • Lines of credit, personal property loans, and real estate loans are eligible

Treasury Management Services

Automated Clearing House | ACH

Best For:

  • Businesses looking to move money quickly and easily
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Features:

  • Paying employees with direct deposit
  • Electronically collecting funds from customers on a scheduled basis
  • Bill collection (i.e., utility company, health club)
  • Vendor payment or collection
Remote Deposit Capture l RDC

Best For:

  • Business owners looking to improve cash flow and save a trip to the bank
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Features:

  • It’s easy. Make paper check deposits online
  • It’s convenient. Eliminate trips to the bank
  • It’s green. Reduce paperwork and waste
  • It’s efficient. Simplify processing, posting, and reconciling checks
Bill Pay Service

Best For:

  • Businesses looking to save time, and money and eliminate late fees from happening with our easy online bill pay option
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Features:

  • Seamless, easy set up for recurring monthly payments online
  • Get the reassurance of knowing that your money is going to the right place, on time
  • Save time and money by eliminating the checks and stamps each month
  • Access your money and pay your bills anywhere, anytime
Positive Pay Service | ACH Plus

Best For:

  • Businesses looking for protection from fraud and unauthorized transactions on their account
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Features:

  • Help protect your business from loss associated with fraud
  • Manage and monitor transaction posting and unauthorized transactions to your account

Call or email us to see which option is right for your farm.

Contact Us