Farm Credit Canada - Loans and Services

F arm Credit Canada (FCC) helps Canadian farmers and agribusiness grow, diversify and prosper. Operating out of 100 offices, mostly in rural Canada, FCC's staff is passionate about the business of agriculture. FCC fulfills its role to enhance rural Canada by providing financial and business solutions to farm families and agribusiness.

FCC's vision is to lead the way in agricultural financing -- putting the power of specialized knowledge and innovation to work for farm families and agribusiness across Canada. FCC serves 45 000 clients and has a healthy portfolio of $10 billion. Eleven straight years of portfolio growth shows the success of FCC's clients. The head office is in Regina, Saskatchewan.

Eligibility Criteria

Borrowers:

• new or established farmers;
• new or established agribusiness operators;
• with or without off-farm income;
• any size operation;
• must be of legal age; and
• must be a Canadian citizen (or permanent resident).

Financing for items such as:

• land;
• buildings;
• equipment;
• land improvements;
• quota;
• livestock;
• agribusiness or value-added enterprises;
• diversification initiatives; and
• businesses related to agriculture, both farmer and non-farmer owned.

Summary

Farm Credit Canada (FCC) offers personalized service and the following:

LOAN PRODUCTS

FCC works closely with Canadian producers and agribusiness operators to create financing solutions for each stage of the business life cycle.

1-2-3 Grow Loan
Manage your cash flow with interest-only payments until you get a return on your investment.

Accelerator Loan
Are you a young farmer looking to build your farm? Get as low as zero down – and flexible payment options.

Advancer Loan
Use this pre-approved, secured loan with the flexibility to re-advance funds at your discretion.

Construction Loan
Get interim financing for up to 18 months on construction projects including processing plants, cold storage and grain storage facilities. Use the money to build, and only pay when your project is done.

American Currency Loan
If you derive a lot of your revenue in U.S. dollars, you can borrow and make payments in U.S. dollars.

Capacity Builder Loan
Purchase quota or breeding livestock with pre-approved financing for up to 18 months and the option to capitalize interest.

Cash Flow Optimizer Loan
Invest funds that would normally go towards principal into other areas of your operation.

Closed Rates
Get FCC's lowest rates fixed for the term of your personal property loan.

Enviro-Loan
Defer principal payments while constructing, improving or expanding your operation when you improve environmental facilities.

Farm Builder Loan
Defer your principal payments while you build, with interim financing for up to 18 months on construction projects.

First Step Loan
Use your post-secondary education to buy your first farm-related asset.

Fixed Closed Rates
Get a low mortgage rate that is fixed for the term of the loan.

Fixed Rates
Get a low mortgage rate that is fixed for the term of the loan with a 10% prepayment option included.

Flexi-Farm Loan
Defer principal payments for up to one year to take advantage of opportunities or ease cash flow during bad conditions.

Herd Start Loan
Take time after starting or expanding your livestock operation. Use your cash flow to grow your business.

Open Rates
Get a low rate fixed for the term of your personal property loan with the benefit of prepayment without penalty.

Opportunity Loan
Fund your agribusiness expansion with principal payment holidays for up to 12 months.

Payday Loan
Use your off-farm income to start or expand your farm business.

Performer Loan
Get rewarded with lower interest rates when your business achieves pre-set financial goals and ratios.

Plant Now - Pay Later Loan
Defer payments in your horticulture operation until your new plantings start to generate cash flow.

Spring Break Loan
Match your payment schedule to the forestry harvesting season.

Stop and Grow Loan
Defer principal payments at your woodlot as saplings grow into profits.

Transition Loan
Help the next generation purchase your property at retirement. Get the equity from your farm without risk.

Variable - Personal Property
FCC's best variable personal property rate. Prepay any amount at any time and convert to a fixed rate at your discretion.

Variable - Real Property
FCC's best variable mortgage interest rate that includes a 10% pre-payment privilege and the option to convert to a fixed interest rate.

Variable Open
Get maximum flexibility. A variable mortgage interest rate with full prepayment privilege and the option to convert to a fixed interest rate.

PARTNERSHIPS

Farm Credit Canada (FCC) forms alliances and partnerships with other organizations to offer producers a full range of financing options. Working together, FCC can open the door to new opportunities for producers and agribusinesses.

Crop Input Financing Program
FCC alliances with crop input partners provide flexibility for customers, making it even easier to do business together.

Livestock Financing Program
Through livestock alliances, FCC provides financing for cattle (feeder, breeder, cow-calf, and one-year cow) and other livestock operations.

National Equipment Dealers Financing Program
FCC's National Equipment Dealers Finance Program (NEDFP) gives you convenient, affordable equipment financing through a countrywide network of dealers.

Installed Equipment
Improve your cash flow with longer amortization and a payment frequency that matches your business.

Retail Financing Program
FCC works with the United Farmers of Alberta (UFA) to finance equipment purchases, construction projects and renovations.

Credit Unions
FCC, Credit Unions of Prince Edward Island and member credit unions of Credit Union Central of Ontario provide one-stop financial shopping to producers.

Small Business Team
Even the best business ideas need some help. FCC partners with a specialized team of Crown corporations to give you more financial options.

New Brunswick Contact(s):
See National Contact.