Agricultural Loans

Locally grown financing keeps your farm or ranch running smoothly.

Apply in Loan Portal Visit an Office

You work the land. We work for you. Find an Ag Loan for your particular needs.

Borrow up to 80% loan-to-value
Quick, local decisions from ag experts
Competitive rates
Flexible payment options to fit your budget

There's a long, proud agricultural history in our parts of Wisconsin and Minnesota. And we're equally proud to support the farmers and ranchers who turn to us for affordable financing for farmland, equipment, livestock, and more. We'll work with you to understand your operational needs and create a loan program that factors in your cash flow, seasonal revenue, and overall finances.

  • Purchase land or expand your existing farm or ranch
  • Construct or repair farm buildings
  • Cover operational costs such as seed and fertilizer
  • Upgrade tractors, combines, and other heavy machinery
  • Install or improve irrigation systems

Apply for Loans Under $300,000

  1. Access our Loan Portal. 
  2. Navigate to the Business tab.
  3. Click on Vehicle Loans when applying for a loan with collateral that will hold a title. Select Other Business Loans for all other types of loans and collateral.
  4. Set your role as primary and provide your name.
  5. If your business has additional owners, select Add Joint Applicant.
  6. Choose Guarantor as their applicant type.
  7. Follow the remaining prompts in the application.
  8. Once finished, you'll receive an email confirming we received your application

Apply for Loans Over $300,000

Please contact a Business Loan Officer to discuss your project, review the steps to apply for your loan, and send your confidential information securely.

The following items will be requested as part of your application process.

  • Personal Financial Statement for all owners with 20% or more ownership
    • For existing members that have completed this form previously and would like to provide updates to that form, contact your Business Loan Officer
  • 3 years of business, personal and affiliated company tax returns
  • Current profit and loss statement and balance sheet
  • Business Debt Schedule
  • Filed Articles of Organization

For Requests Secured by Other Farm Assets

  • Inventory list of existing equipment
  • Purchase agreement, if applicable when available for equipment purchases
  • Historic milk production data, if applicable
  • Historic and projected crop yield and crop plan, if applicable
  • Cash Flow Projection may be required with crop plan expansion
  • Breakdown of crop input cost to be included in the loan request, if applicable

For Real Estate Projects

  • Building cost projections, if applicable for construction projects
  • Purchase agreement, if applicable for real estate purchases when available
  • Projections or detail on projected rents and expenses, if applicable for new rental properties

WESTconsin Credit Union serves members in Wisconsin and in Minnesota. Find a location near you.

Meet Our Ag Lending Experts

Photo of Joe Rumpel
Joe Rumpel
Agriculture Specialist serving our western membership area
 Photo of John Grape
John Grape
Serving the Menomonie area
Photo of Joe Rumpel

Joe Rumpel

Agriculture Specialist serving our western membership area
(800) 924-0022 ext. 7456

With the experience of growing up on a dairy farm in Wisconsin and over 30 years as an agricultural and business loan officer, Joe has the expertise and the knowledge to support members throughout every aspect of their business journey. He values building long-term relationships with members and witnessing their success.

Joe is a board member of the Baldwin-Woodville Area Community Foundation and acts as the Treasurer of St. Croix County Farm City Day. He also volunteers annually with the St. Croix County Fair Meat Animal Auction.

Photo of John Grape

John Grape

Serving the Menomonie area
(800) 924-0022 ext. 7217

John brings a wealth of experience and knowledge to every interaction. With over 27 years of experience in business and eight years at WESTconsin, John is an expert who provides top-quality service. He is passionate about mentoring new business owners and watching them succeed.  

An active member of the Menomonie community, John is involved with the Menomonie Chamber of Commerce and previously served as the President and Vice President of the Menomonie Library Board. In his free time, you can find him kayaking on the local rivers, spending time with his wife and two children, or playing card games like 500 and Magic the Gathering. 

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