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Lending for rural Missouri and farmers

FCS Financial provides a wide range of loan products and financial services. You don’t have to be a farmer to be an FCS Financial customer. We finance rural property for all uses.

We offer you a full range of loan products and financial services. Our staff are experts in rural financing. They not only finance rural property but many live in rural areas because they love the rural lifestyle, too.

Financing is available for farmers, rural homeowners, recreational property owners and agricultural related businesses. The extent of financing FCS Financial provides can vary by the type of operation, home and location. We customize our products to meet your needs so contact us to determine which product is right for you and your eligibility.

Ag & Business

We understand agriculture, know what it takes to keep an agricultural business operational and have experienced the multiple facets of the industry. FCS Financial Ag & Business® is the trusted lending partner to thousands of Missouri farms and farm-related businesses.

  • Farm Real Estate Loan: Lending programs to help you purchase a farm or farmland, or refinance existing loans. Competitive rates with terms between five and thirty years including fixed rate options. Monthly, quarterly, semiannual or annual repayment schedules let you match your payments to your cash flow.
  • Operating Loan: Operating loans are not a “one-size-fits-all” proposition, which is why we give you a choice of operating loans to purchase inputs and pay expenses.  Our operating loans are    designed to fit the way you produce and market.
  • Livestock & Equipment Loan: Our livestock and equipment loans give you a competitive rate and options tailored to your unique operation or business, options that can add up to big savings for both new or used purchases.  These loans are designed to finance all types of farm machinery, livestock, machine sheds, grain bins, irrigation equipment, trucks or other major items.
  • Equipment & Facility Lease: Farm leasing is an increasingly popular financing option for virtually all farm vehicles, equipment, machinery and facilities (new or used). Leasing offers unique benefits to farmers not available through ownership.
  • FCS Financial Ag Direct® Equipment Dealer Financing: Save yourself time and money by applying for an Ag Direct loan from FCS Financial. Just stop by one of equipment dealerships throughout Missouri and complete an application.
  • Recreational Property Loan: Looking for a place to hunt and fish or just a retreat from the real world? FCS Financial offers financing for recreational property with terms to match your cash flow.
  • Young, Beginning, Small Farmer Loan: FCS Financial is committed to the growth and success of agriculture and rural America. As part of that commitment, we offer special financing programs for young, beginning and small farmers.
  • Ag Youth Program: FCS Financial’s Ag Youth Program is part of our commitment to Young, Beginning and Small Farmers. Aimed specifically at Missouri 4-H and FFA members, the program provides interest-free funds for qualifying projects repayable within one year.

Land & Home

We know you appreciate the quality of life a smaller, more rural community offers. FCS Financial Land & Home® focuses on the financial concerns of people who seek and appreciate this quality of life. We know what is involved in financing the rural lifestyle and can provide information from an insider’s perspective on virtually all aspects of country life.

  • Rural Home Loan: Whether you are buying your first home, upgrading to accommodate a growing family or looking to refinance your current home, we offer several financing options exclusively designed for people who live or desire to live in the country.
  • Agriculture Real Estate Loan: Lending programs to help you purchase a farm or farmland or to refinance existing loans. Competitive rates with terms between five and thirty years including fixed rate options. Monthly, quarterly, semiannual or annual repayment schedules let you match your payments to your cash flow.
  • Recreational Property Loan: Looking for a place to hunt and fish or just a retreat from the real world? FCS Financial offers financing for recreational property with terms to match your cash flow.
  • Investment Property Loan: Whether you are interested in purchasing land as an investment or for the enjoyment of outdoor activities, FCS Financial can help. Investment property loans provide financing for rural real estate and land purchases in rural areas.
  • Home Site Loan: Build your dream home where and when you want to. Site loans are designed for financing a bare parcel of land that is planned for a home site.  This allows you to purchase your lot now and prepare to build your home at a later date.
  • Construction Loan: If you are building your dream home in the country, look no further than FCS Financial for your financing.  Construction loans offer flexibility and competitive rates and terms.
  • Operating Loan: Operating loans are not a “one-size-fits-all” proposition, which is why we give you a choice of operating loans to purchase inputs and pay expenses.  Our operating loans are designed to fit the way you produce and market.
  • FCS Financial Ag Direct® Equipment Dealer Financing: Save yourself time and money by applying for an Ag Direct loan from FCS Financial. Just stop by one of equipment dealerships throughout Missouri and complete an application.
  • Ag Youth Program: FCS Financial’s Ag Youth Program is part of our commitment to Young, Beginning and Small Farmers. Aimed specifically at Missouri 4-H and FFA members, the program provides interest-free funds for qualifying projects repayable within one year.