AgriBusiness Lending

The Greenwoods State Bank team of specialists can help you grow when the time is right and we will still be there to help you over the hurdles you are sure to face in this ever-changing marketplace.

Operating Loans

A GSB operating loan offers convenience and flexibility and can be used for operating expenses such as crop inputs, feed, market livestock, rent and repairs.

You can borrow, repay, and re-borrow funds throughout the term of the loan. Typically used to purchase crop inputs, feeder livestock, or feed.

  • Pre-approved credit available whenever you need it.
  • Credit lines available in an amount to serve your needs.
  • Able to repay and re-borrow at your convenience.
  • Flexible repayment terms with principal and interest paid monthly, semi-annually, annually or anytime (no pre-payment penalty) by maturity.

You can borrow up to an agreed pre-determined amount. Primarily used to cover construction costs or start-up financing.

  • Pre-approved credit available whenever you need it.
  • Credit lines available in an amount to serve your needs and repayment ability.
  • Flexible repayment terms with interest billed monthly until permanent financing is established. (no pre-payment penalty)

Cattle and Equipment Term Loans

Loan terms are customized to meet your needs, with a variety of rates and terms available. Our lending officers can help you develop a financial plan that maximizes your investment in feeder livestock, breeding stock and equipment to help your operation grow.


Used to purchase breeding livestock and machinery. GSB AgriBusiness rates are competitive which can mean better results on your bottom line.

  • Easy-to-budget fixed payments.
  • Typically 3 to 7 year amortization.
  • Secured by livestock and machinery.

Farm Real Estate Loans

The core of every successful farming operation is based in the real estate you own. GSB stays abreast of this market in order that we will be ready to help you when a desired piece of land comes up for sale and you need to act quickly. We can design a loan package and repayment structure that best meets your needs. We are competitive, make local loan decisions and can provide you with prompt, friendly service.

Used to purchase land or for building construction and renovation projects that help to continue farm business growth.

  • Easy-to-budget fixed payments.
  • Typically 10 to 30 year amortization.
  • Secured by real estate.

Guaranteed Loans

GSB works with USDA Farm Service Agency to provide Loan Service Guaranties and the State of Wisconsin WHEDA Operating Loan (CROP) program guaranties. See how these options can work for your benefit.

Greenwoods State Bank works extensively with guaranteed loans and has obtained Preferred Lender Program (PLP) status to better serve you.

  • Used by farmers who do not qualify for conventional financing.
  • The money is borrowed from the bank.
  • Our qualified lending specialists complete all loan documentation.
  • FSA guarantees up to 90% of any losses on the loan to the bank.
  • Lines of credit, personal property loans, and real estate loans available.
  • You may qualify for a 4% interest subsidy.
  • WHEDA CROP loans provide up to 90% guaranteed loan up to $60,000.00 for expenses for farmers who do not qualify for conventional financing.
  • WHEDA FARM is a guaranteed loan program for producers who wish to expand or modernize an existing operation.
  • Other fees and restrictions may apply.

Helpful info from our blog.