Loans By Type
Understanding how YFC can help your business
We think lending should be as simple and efficient as possible. We forecast every aspect of a customer’s operation to determine how income and expenses fit the budget. It’s a transparent process that helps us better fit our customers’ needs, and it sets us apart from other lenders.
Real Estate Loans
Our accomplished staff has a wealth of experience in custom-tailoring flexible and competitive loans to meet your real estate financing needs to grow or start your business. Common real estate financing uses include farm and ranch purchases, orchard and vineyard developments, refinancing other lenders, recapitalization of businesses, and more.
Our construction loans provide financing for a wide variety of projects and are tailored to the specific needs of our members. These construction loans are related directly to growing your ag business.
We help customers build everything from lagoons to robotic milking machines from the ground up.
Examples of dairy industry loan improvements include milk barn remodels, free-stall construction, lagoons, and digesters. We help our members take advantage of end-of-the-year tax planning with strategic recommendations.
Development loans broadly cover expenses such as agronomy, environmental due diligence, ground work, planting and irrigation system development, to name a few. We provide our customers the time they need to build and grow during the tenuous and financially demanding first years of an orchard’s life.
These loans can take the form of collateral or lines of credit. Our team analyzes the cash the operation needs to function at a high level while practicing responsible financial management for both organizations.
That may include pre-harvest and harvest overhead expenses such as debt service, fixed capital, living expenses and taxes.
Cow and calf loans are for funding operating needs, breeding bulls, or replacement heifers; herd loans are typically used for the purchase of cattle, quota, equipment, and capital improvements; and stocker loans are short-term financing for the purchase, feed, maintenance and care of stocker cattle. In addition, we have feed and farming credit lines as well as prepaid feed lines so our customers can purchase feed for year-end tax planning purposes.
Our team evolves with the times.
Just like our members, we continue to learn how to use technology to become more efficient. Examples of loan requests include items such as electronic tractors, automatic tree shakers and spray rigs, solar, robotics, and more. Our flexible nature allows us to tackle interesting challenges our members face.