A gribusiness S ervices At Atomic Credit Union, we understand the many agricultural activities that exist in the communities we serve. Let us help pair you with the loan product that works best for you and the cash flow of your operation, while providing multiple repayment options close to home.
Agribusiness Loans
Real Estate Are you in the market to purchase acreage for new farmland or refinance your current farm real estate? Atomic provides local underwriting that structures each loan to best fit your needs. We combine competitive interest rates with accommodating terms, such as monthly, quarterly, semi-annually, or annually!
Equipment & Vehicles Need to upgrade from a 2WD tractor to a 4WD? Maybe you need a vehicle to use on the farm to haul livestock? Whatever your needs are, we offer financing with convenient terms and fixed rates to ensure you have the equipment and vehicles your farm needs to grow!
Operating Lines of Credit Does your operation have your liquidity tied up? Need a quick boost to your cash flow? Our flexible operating loans are easy to use on a 12-month term with annual renewals available. You will receive unlimited draws and repayments with convenient online access 24/7.
Detached Accessory Structures If you are looking to build a small pole barn to store your hay or farm equipment, or a greenhouse for your produce, we structured this loan product just for you! We lend on the materials of the structure instead of requiring a mortgage on your real estate and third-party services, giving you a quicker turnaround! Limited to $50,000 or less.
Livestock and Crops Atomic Credit Union understands the cyclical nature of local agriculture when dealing with cattle, corn, beans, and more. Whether you are running a cow/calf operation or feeders, or rotating corn and soybeans in your fields each season, your process is repetitive. Our knowledge of the area’s agricultural industry allows us to take all of your assets into account when determining the best loan product for your specific circumstances. I tems N eeded Completed Agribusiness Application Personal Financial Statement Personal Tax Returns (previous 3 years) Current Paystub(s) Business Financial Statement We also offer Note Loans and Letters of Credit as part of our Agribusiness Services! Learn more about our Agribusiness services
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Business Tax Returns (previous 3 years) Income and Expenses (year-to-date) Business Plan (if applicable)
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