Partner with the ag and country living experts.
WE KNOW AG BECAUSE WE ARE AG. We’re a little different at Badgerland Financial. While we certainly have many of the same products and services that traditional financial institutions offer, here at Badgerland Financial, we deliver so much more. That’s because our products and services were developed specifically with the unique needs of farmers in mind.
More than 95 years of ag industry knowledge goes into each and every solution we bring to the table. And we know you won’t find anything out there that compares. We know because most of us come from farm families ourselves. In fact, many of us are still farming today. You see, at Badgerland Financial, we know what matters to you, because they are the same things that matter to us. At Badgerland Financial, we know ag because we are ag.
WE ALSO KNOW A THING OR TWO ABOUT COUNTRY LIVING. In addition to our ag-focused products and services, we offer specialized solutions for people who want a little piece of country to call their own. Whether it’s for building a dream home or for recreational enjoyment, like hunting and fishing, our experts can help you find financing that works for you.
Chances are, the Badgerland Financial specialist helping you will know firsthand about the joys of owning land in the country, which means we can provide expert advice and insight you simply can’t get anywhere else. We know what it takes to be here because we are here. We live here. We work here. And we’re dedicated to cultivating rural life—on your terms.
WE’RE IN THIS—TOGETHER. Just like you, we live and work in rural Wisconsin. But that’s not the only way we’re linked to rural life. Badgerland Financial is a cooperative. That means we are owned by our member-borrowers and are governed by a local, member-elected Board of Directors, the majority of which are farmers. We are also proud to have returned nearly $85 million in cash patronage to our member-owners over the last 10 years—sharing profits with the very farmers, agribusinesses and others who helped to
create them. After all, at Badgerland Financial we know what you want, because they are the same things we want. This is the cooperative difference. Experience for yourself the difference that comes from partnering with the ag and country living experts. Let’s get working together, today.
The ag customers we serve are diverse in size, experience and the commodities they produce. We even serve a wide range of agribusinesses, including veterinary clinics, feed mills, transportation companies and much more. That’s why we offer a full range of financial tools to meet those diverse needs. Take a look at just a few of the options we offer below. To learn more about which tools may be best for you, visit badgerlandfinancial.com today. Agriculture loans
Construction loans
Our ag loans include:
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Real estate loans Operating loans Equipment loans Livestock loans Building and facility loans
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Farm-related business loans Non-ag loans for farmers for a wide range of uses, including college tuition
Regardless of what it is you need financed, you can count on Badgerland Financial for:
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Competitive interest rate products, including fixed, variable and adjustable rates Fully amortized loan commitments (no balloon payments, renewal fees or re-qualifying) Minimal loan origination expenses, with less paperwork and quick credit decisions Convenient loan rate conversion option for a minimal fee Flexible repayment options to best match your cash flow
Loans for organic farms, CSA farms and niche production As the landscape of Wisconsin agriculture continues to broaden, so does our expertise. We’re committed to staying on top of the needs of today’s farmers, no matter what type of operation they run. So, from fruit and vegetable growers operating local CSAs, to someone raising vegetables in an urban area for sale at a farmer’s market, to crop and dairy producers looking to expand their organic farm operations, we’re ready to help you meet your financing needs.
Badgerland Financial also offers a full range of farm construction loans that include financing options for farm facilities (such as sheds and garages). We can even help you finance your country home or remodeling projects. With Badgerland Financial, you can benefit from a construction-only loan, which allows you to make interest-only payments during construction, with interest accruing on the actual amount drawn. Plus, we offer a convenient, one-time closing.
Beginning farmer loans and grants Whether you’re new to farming or it’s been in your family for generations, it helps to have a trusted financial partner on your side while you’re learning the ropes of the business. We offer the loans you need to get things up and running, and advice and assistance you won’t get anywhere else. Plus, through our Beginning with Badgerland program, we offer grants up to $1,500 to help pay for a variety of farm business-related expenses, including training and education.
Leases Leasing can help you get the equipment and facilities you need while conserving capital, improving cash flow and maximizing tax advantages. If leasing makes sense for your operation, Badgerland Financial offers farm equipment financing through AgDirect at local equipment dealerships and Farm Credit Leasing. You’ll get competitive rates, flexible repayment terms and quick credit decisions.
OUR LOANS AND LEASES ARE DESIGNED TO MEET THE NEEDS OF TODAY’S FARMERS.
Insurance doesn’t just give you peace of mind—it makes good business sense. Our insurance specialists, many of whom have connections to a farm themselves, can help you make selections that work for your farm business, within your budget. A few of the options we offer are listed below. To learn more, visit badgerlandfinancial.com. Crop insurance You can’t predict what the growing season will bring. Spring frost, hail storms, fire, drought, insects, plant disease—any one of these can ruin a crop and threaten the financial stability of your farm business. We’ll help give you peace of mind while protecting your bottom line with crop insurance that makes the most sense for you. Here are just a few of the options we offer:
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Yield Protection Revenue Protection Catastrophic Coverage Area Yield Plan Area Revenue Plan
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Hail Coverage Green Snap Direct Wind Coverage Climate Corporation Enterprise Plus and more
Dairy and livestock insurance Badgerland Financial offers three unique insurance products to further help manage risk:
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INSURANCE PRODUCTS TO HELP YOU PROTECT YOUR BOTTOM LINE.
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Livestock Gross Margin Dairy Insurance, or LGM Dairy, provides protection against the risk of fluctuating milk and feed costs by insuring a revenue floor. Livestock Gross Margin Insurance, or LGM, protects against loss of gross margin—the market value of finished livestock minus feeder cattle and feed/corn costs during the insurance period. It is available for cattle and swine finishing operations. Livestock Risk Protection (LRP) protects against declining market prices without restricting profit potential. Coverage is available for producers of feeder cattle, fed cattle, swine and lamb.
Life and disability insurance We can also help you secure life and disability insurance, which is a great way to ensure the longevity of your operation for future generations. You can get a quote on our website or by contacting your Badgerland Financial representative.
AG BUSINESS SERVICES—HELPING YOU FOCUS ON WHAT’S IMPORTANT.
With all you have to conquer over the course of the day, it’s nearly impossible to keep up on administrative tasks. And planning for the future is hard when there’s barely enough time to keep up with the demands of today. We know this because many of us have worked on farms ourselves or grew up in the country. That experience helps us provide you with the additional services you need to keep your business running smoothly. Here are just a few of the ways we can be of assistance: Tax services
Estate planning
The laws that govern farm taxes are constantly changing, making it challenging to stay in compliance. Plus, when it comes to taxes, there are opportunities for farmers to save money— sometimes up to hundreds of thousands of dollars. Only a Tax Consultant who truly understands the business of agriculture can help. That’s why all of our certified preparers have taken the farm tax exam. They are the best and brightest at helping hard-working farmers just like you avoid overpayment and costly penalties.
In Wisconsin, farming is a way of life that’s been handed down from generation to generation. But if the transition isn’t carefully planned, your legacy could be at risk.
Accounting services Keeping timely, accurate records and making sure rules and regulations are followed not only helps you make sound management decisions, it helps you avoid costly penalties. Our professionals can assist with a wide range of farm accounting services, such as:
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Financial statements and balance sheets Accounts payable Accounts receivable Income and expense statements Capital assets/depreciation
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Financial forecasts and budgets Managerial accounting Payroll Farm financial standards reports Trend analysis
Whether you plan to keep the farm in the family or you choose another path for your estate, we can provide expertise and resources for planning and preparation, including:
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Tax planning Gift planning Farm business entities Reviewing and managing trusts Probate process Farm succession planning
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Farm sales Sale of development rights Gifts to charitable foundations Easements Connecting you with farm buyers
Appraisals Badgerland Financial has a staff of professional appraisers who are respected across Wisconsin for their inherent knowledge of agricultural property. They receive ongoing training, are state certified and maintain a current and accurate database of the real estate market and other economic information. This results in trusted, reliable appraisals—the best you will find.
WE KNOW COUNTRY LIVING BECAUSE WE LIVE IN THE COUNTRY.
Badgerland Financial understands what it means to live in the country. When other lenders don’t seem to have what you’re looking for, look to us. We work with the nuances of buying property in the country and deal with large acreages and property-only purchases on a daily basis. And the Badgerland Financial specialist you work with just might be your new neighbor. So, whether you’re building or buying your dream home, or just looking for a piece of land you can call your own, we can relate with your situation and get you the financing you need. Here’s how we can help: Home loans We’ll take a look at the size, type and intended use of the property, then advise you on the type of loan that makes the most sense for you. We offer a full range of long-term loans, competitive interest rates and other options that help make financing—and refinancing—easy.
Recreational property loans In Wisconsin, we are lucky to live among abundant open land. And what better way to use that land than for recreational purposes. Hunters, fishers and others come to Badgerland Financial for property loans when they find that traditional lenders won’t offer long-term financing for properties without a home or other structure.
Construction and lot loans If you’re building a new property, Badgerland Financial can help make loan shopping easy. We offer a one-time closing with flexible payment plans and a construction-only loan, which allows you to make interest-only payments during construction.
Appraisal services Country home and recreational property loans require the expertise of appraisers who are familiar with the land—and its value. Our professional appraisers understand the nuances that come with country property, ensuring you get accurate and reliable results.
Leases Badgerland Financial also has leasing options for buildings and equipment that can help you realize your rural dreams. We offer competitive rates and flexible repayment terms so you can improve cash flow and maximize tax advantages.
Tax and accounting services When you live in the country, it pays to have a tax and accounting partner that understands the unique laws that apply to rural property. We even have estate planning consultants who can help you plan for the future of your country property and any other assets you may have.
Local service. National strength. Badgerland Financial has 17 offices conveniently located in 33 Wisconsin counties. We can also work with you online, on your farm or at your home. That’s because we are committed to doing whatever it takes to deliver on our vision to cultivate prosperity for agriculture and rural Wisconsin. We’re also proud to be a part of the nationwide Farm Credit System, the nation’s largest and oldest financial services network dedicated to serving agriculture and rural America. Just like other Farm Credit associations, the money we lend is raised by selling System Bonds on Wall Street. Unlike deposit-funded institutions, we bring new money—and new opportunities—to the people, businesses and communities of rural Wisconsin.
Our locations Arcadia: (800) 236-4425
Fond du Lac: (800) 569-6840
Plymouth: (800) 569-6844
Baraboo: (800) 236-3376
Janesville: (800) 755-0344
Prairie du Sac: (877) 780-6410
Beaver Dam: (800) 569-6838
Lancaster: (800) 236-2030
Sparta: (800) 236-3148
Burlington: (800) 755-0345
Madison: (800) 324-5766
Viroqua: (800) 236-1288
Chilton: (800) 569-6834
Mondovi: (800) 236-2188
Watertown: (800) 686-1338
Dodgeville: (800) 236-3396
Monroe: (800) 755-9166
Corporate headquarters 1430 North Ridge Drive Prairie du Sac, WI 53578 P : (800) 356-2197 F : (608) 643-0116 Email: info@badgerlandfinancial.com Website: badgerlandfinancial.com
This Agency is an Equal Opportunity Provider. NMLS ID 458065 © 2014 Badgerland Financial, ACA