Agricultural Loans & Lines of Credit

We understand the work that goes into planning and running your farm operation.
As Saskatchewan’s farm lending experts, we’re proud to offer you sound agricultural finance products and advice
that fits your story, operation, goals and business
style.


We're in it with you. It's more than a loan. It's a partnership.

Agricultural Term Loan
No one knows the value of lending a helping hand better than the farmers and ranchers of our communities. Offering flexible loan products that help you when you need it is just our small way of returning the favour.

  • Competitive rates
  • Flexible terms and repayment plans
  • Fixed and variable rate options
  • No prepayment penalty
Agricultural Line of Credit
Agriculture can be unpredictable and cash flow is needed to keep your operation running smoothly. A line of credit is directly connected to your chequing account, and you'll only pay interest on what you use. 

  • Competitive rates
  • Overdraft protection
  • No repayment restrictions
  • Easy access to funds
  • Interest paid only on what you use
Agricultural Quick Loan
The payment structure of a loan and the flexibility of a revolving line of credit. Apply once and access funds whenever you need. Once paid down, funds can be re-advanced without having to apply again.

  • Competitive rates
  • Flexible terms and repayment plans
  • No prepayment penalty

Leasing

We partner with Concentra Bank to offer payment solutions for equipment, machinery, grain bins, portable buildings, metal frame structures and just about anything else your farm could need. Whether it's second hand or buying brand new, leasing is a great option.

Leasing allows you to retain your capital and still get the equipment you need to keep your operation running. If you'd like to learn more, contact your Farm & Business Advisor of call us at 1.855.875.2255. 


Canadian Agriculture Loans Act (CALA) Program

The Canadian Agricultural Loans Act (CALA) Program is a loan guarantee program designed to increase the availability of loans to farmers and agricultural co-operatives. Farmers can use these loans to establish, improve, and develop farms, while agricultural co-operatives may also access loans to process, distribute, or market the products of farming.

What to bring to your lending appointment: 

Information required for all borrowers / guarantors on the loan:
  • Five years Personal Income Tax including Statement of Farming and/or Business Activities
  • Personal Net Worth Statement or Farm Business Analyst (if available)
  • Purchase Price and down payment information
  • Copy of offer to purchase or bill of sale that includes the following information:
    • Buyer name (personal) - the loan will be in this name
    • Dealer vs. private sale? If private sale - Seller name (personal or company) and address
    • Date of agreement
    • Property/equipment description
    • Legal land description
    • Equipment year, make, model serial number
    • Purchase price
  • Business Plan for operations <2 years old
Information required for all borrowers / guarantors on the loan:
  • Five years Corporate Financial Statements
  • Five years Personal Income Tax including Statement of Farming and/or Business Activities
  • Personal New Worth Statement or Farm Business Analyst (if available) for each individual
  • New Cornerstone Members - Personal information sheet completed in full for each individual
  • Existing Cornerstone Members - verify all info is up to date and correct
  • Authorization to perform a credit check for each individual
  • Purchase price and down payment information
  • Copy of offer to purchase or bill of sale that includes the following information:
    • Buyer name (corporate) - the loan will be in this name
    • Dealer vs. private sale? If private sale - Seller name (personal or company) and address
    • Date of agreement
    • Property/equipment description
    • Legal land description
    • Equipment year, make, model serial number
    • Purchase price
  • Business Plan for operations <2 years old

Ways to Bank


You’re busy managing your life - let us offer you convenient ways to manage your banking.


Digital Banking

Our Digital Banking provides you with 24/7 online access to your accounts, allowing you to take care of your financial transactions - both personal and business - at your convenience.


Mobile App

Our mobile app is available on iPhone and Android™ devices. With tons of convenient features, it's a fast and secure way to handle your everyday banking wherever and whenever works for you. 


Contact Centre

Enjoy the convenience of telephone banking with our friendly and knowledgeable staff, always ready to help on the other end of the line.





Branches & ATM

We love to see you walk through our doors. Stop by and let us help you! Or visit one of our ATMs for quick access to your funds anytime of the day or night.
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