Our Services
We set ourselves apart by establishing relationships with quality lenders so we can offer competitive financing to our clients. Our team understands that no agricultural entity is identical, and we strive to meet the needs of every family to ensure operations continue for years to come.
Beginning Farmer Loans
Young and beginning farmers/ranchers utilizing the Farm Service Agency (FSA) program will benefit from low down payment loans and below market interest rates on the FSA portion.
Larger real estate transactions usually require a lender to provide a portion of the loan. Our team at Joyce Capital can help our clients work with both FSA and our banking partners to obtain the needed financing. This program can be a good succession tool to help bring a new generation into the operation.
FSA Guaranteed Real Estate Loans
We coordinate with FSA and put together loan packages for our clients. We work with FSA Preferred Lenders to help save time in the approval process.
Farmer Mac Loans
For more robust and conforming needs we can use the Farmer Mac programs. We work with Farmer Mac approved lenders to help make the process easier and faster.
- Purchases
- Refinances
- Expansions
Other Bank Direct Programs
Some financing can be done in-house with one of our selected banks. This often happens when there is a need for a bridge loan, short term credit repair, or the loan is non-conforming to the general rules of the other programs.
Loans with Insurance Companies
These are used in times when we have a very large loan, and the rates are equal to or better that what we can find elsewhere.
Working Capital Loans
By using a portion of the farmer / rancher real estate, we can create a working capital balance for you to do those special projects you want done or enhance the operation with more equipment, etc.