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Missouri's Largest Ag Lender

$1,000,000+ given to local communities   Learn more about our scholarships, foundation and community giving $292 million of profits returned to our customer owners 100+ years of ag lending experience
Our Leadership Patronage & Member Benefits Our Locations Upcoming Events Farm Appraisal Special Programs News & Events Financial Reports Scholarships Careers Community Giving Heartbeat Magazine Connect Ag Seminar

Tools & Resources

Education & eBooks Loan Calculator FAQs FCS Financial Connect FCS Financial Mobile Banking App My Access Plus Online Banking Guide Unsolicited Mail Register for Email Alerts Contact Us
FarmlandEquipment and Livestock Young andBeginning Farmers Hunting Land& Recreation Land Rural Homes& Land
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Loans / Young, Beginning & Small Farmers

Start a New Career
in Rural Missouri

Special Lending Program

  • May be eligible for lower percentage down payment in partnership with Farm Service Agency loans

  • Loans can be used for: real estate, operating, machinery and equipment, capital improvement and aquatic expenses

  • Educational opportunities aimed at young and beginning producers. 

Young & Beginning Farmers

Qualifications

  • Young farmers are 35 years old or younger
  • Beginning farmers have less than 10 years of experience

Benefits

  • Participate in FCS Financial Connect workshop series
  • Modified credit standards to reflect the young or beginning borrower
  • Knowledge base includes online and in-person training opportunities

Join the Connect Program

Veterans Program

Qualification

  • Veterans of the U.S. Armed Forces transitioning to farming through Heartland Heroes Veterans Program

Benefits

  • Education and training available online and in-person from local farming and lending experts
  • Modified loan requirements in regards to owners equity

Get Loan Benefits and Resources

 

Small Farmers

Qualification

  • Small farmers generate less than $250,000 in annual gross sales from ag production
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Resources for Your Farm

Young & Beginning Farmers use USDA & FCS Financial to achieve goal of farm life resource imageYoung & Beginning Farmers use USDA & FCS Financial to achieve goal of farm lifewatch now FCS Financial Connect resource imageFCS Financial Connectwatch now Tips for Your First Loan Application resource imageTips for Your First Loan Applicationwatch now How to complete a balance sheet to buy land or a farm resource imageHow to complete a balance sheet to buy land or a farmwatch now 
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We are owned and managed by our members

$292 millionof profits returned to our member-owners 100+ years Given to 4-H, FFA and communities to improve rural Missouri Over $7 billion in rural loans, leases and related services

Supporting the future of farming

Over $1.5 million given to local 4-H and FFA organizations

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We have 21 locations in Missouri Find Your Location
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Tools & Resources

Education & eBooks Loan Calculator FCS Financial Connect Workshop Series FCS Financial Mobile App Sustainable Agriculture

FAQs

Who is FCS Financial? How is FCS Financial different from other lenders? Where can I find the candidate questionnaire for the Board of Directors or Nominating Committee?
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(855) 507-2276

We have 21 Locations in Missouri
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