AGRICULTURAL BANKING
 Fowler
State Bank has been providing financial solutions to the
agricultural community in mid-west Indiana for 75 years. We
remain committed to the farming community. We know agriculture,
and we understand each of our client’s financial needs.
Our expertise and individual personal service has helped us to
qualify as one of the few lenders in the State of Indiana to be
designated a “Preferred Lender” in the Farm Services Agency
Guarantee Program. This program does have an interest assistance
benefit for qualified borrowers.
Our Agricultural Lending program features:
- One to One Personal Service
- Financial Trend Analysis
- Timely Informational Letters
- Total Debt Restructuring
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- On-Site Farm Visits
- Personalized Equipment Appraisals
- FSA Guaranteed Loans
- Competitive Rates
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OPERATING LOANS
Fowler State Bank can provide agricultural loans and working
capital to help finance the seasonal requirements of your
farming operation. This loan can be a revolving line of
credit to help pay bills as they come due. With this line of
credit, you can take advantage of cash discounts, lock in
prices by paying ahead and receive tax benefits by prepaying
expenses. Available with this line of credit is our “one of
a kind” actual cash flow program*. This cash flow is tied to
your line of credit and farm checking account and will have
an actual monthly accounting of all your income and
expenses. Pricing for an operating loan is a variable
interest rate. Pricing is based on evaluation of your
financial statement, ratios, and other criteria.
* There is a small fee for the cash flow
program.
EQUIPMENT LOANS
 Looking
to upgrade a piece of equipment. Fowler State Bank can offer
you a competitive rate and repayment structure for that new
or used piece of equipment. Repayment will be determined by
the useful life of the asset. Longer financing can sometimes
be arranged with the help of an FSA Guarantee.
REAL ESTATE LOANS
Fowler State Bank offers real estate loans for the purchase
or refinance of agricultural real estate. Fixed, variable,
and adjustable rate mortgages are available. Pricing is
determined by collateral, financial statement, ratios, and
other criteria. We are very interested in helping finance
farmers in our community to help grow their farming
operation. FSA Guarantees are also available for new and
beginning farmers who would like to own real estate. Fowler
State Bank can assist in this application.
CONSOLIDATION LOANS
If you are looking to reorganize your operation to help get
a new and clean start, a consolidation loan may be the
answer to your needs. Fowler State Bank has loan officers
who specialize in helping farmers consolidate and reorganize
their operations. With the help of a guaranteed loan from
FSA, we are able to consolidate debt and amortize for a
longer period of time. This may be the help your operation
needs. See one of our Ag Loan Officers today.
For more information please call one of our Agricultural
Lending Team Specialists at 765-884-1200 or 800-439-3951.
FOWLER STATE BANK, AGRICULTURAL LENDING
TEAM
Traci L. Davies
Vice President |
Curt A. Puetz
Asst. Vice President |
Tara Heim
Agricultural Assistant |
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