FARM CREDIT SERVICES BRANCH OFFICES

GreenStone, Central Region

East Lansing
1760 Abbey Road Suite 200
East Lansing, MI 48823
Phone: (517) 318-2290

Mason
525 North Okemos Road
Mason, MI 48854
Phone: (517) 676-1086

Charlotte
241 South Cochran Avenue, P.O. Box 159
Charlotte, MI 48813
Phone: (517) 543-1360

St. Johns
1104 South U.S. 27, P.O. Box 228
St. Johns, MI 48879
Phone: (517) 224-9321
http://www.farmcredit.com

Ionia
1962 South State Road, P.O. Box 493
Ionia, MI 48846
Phone: (616) 527-1930

Corunna
704 West Corunna Avenue, P.O. Box 158
Corunna, MI 48817
Phone: (517) 743-5606

Howell
3471 East Grand River
Howell, MI 48843
Phone: (517) 546-2840

GreenStone, North Region

Alma
7165 North Alger Road, P.O. Box 429
Alma, MI 48801-0429
Phone: (517) 463-3146

Lakeview
8897 West Tamarack Road, P.O. Box 349
Lakeview, MI 48850
Phone: (517) 352-7203

Bay City
P.O. Box 175
Kawkawlin, MI 48631
Phone: (517) 686-5100

Hemlock
P.O. Box 469
Hemlock, MI 48626
Phone: (517) 781-4251

Traverse City
3491 Hartman Road
Traverse City, MI 49684
Phone: (231) 946-5710

Alpena
2200 M-32 West
Alpena, MI 49707
Phone: (517) 354-4343

Cadillac
7597 South Mackinaw Trail, P.O. Box 357
Cadillac, MI 49601
Phone: (231) 775-1361

Mt. Pleasant
1019 North Mission Street, P.O. Box 351
Mt. Pleasant, MI 48858
Phone: (517) 773-5175

GreenStone, Southeast Region

Adrian
5285 West US 223, P.O. Box 459
Adrian, MI 49221
Phone: (517) 263-1508

Hillsdale
3200 Carleton Road, P.O. Box 615
Hillsdale, MI 49242
Phone: (517) 437-3336

Concord
100 Spring Street, P.O. Box 337
Concord, MI 49237
Phone: (517) 524-6670

Monroe
15615 South Telegraph Road, P.O. Box 883
Monroe, MI 48161
Phone: (734) 243-6711

Ann Arbor
3645 Jackson Road, P.O. Box 2119
Ann Arbor, MI 48106
Phone: (734) 769-2411

Lenawee
5285 West US 223, P.O. Box 459
Adrian, MI 49221
Phone: (517) 263-9798

GreenStone, Thumb Region

Sandusky
100 South Elk Street, P.O. Box 192
Sandusky, MI 48471
Phone: (810) 648-2611

Bad Axe
796 South Van Dyke Street
Bad Axe, MI 48413
Phone: (517) 269-6581

Lapeer
455 Lake Nepessing Road
Lapeer, MI 48446
Phone: (810) 664-0891

Caro
651 North State Street, P.O. Box 111
Caro, MI 48723
Phone: (517) 673-8558

GreenStone, West Region

Allegan
1517 M-40 North, P.O. Box 280
Allegan, MI 49010
Phone: (616) 673-5541

Berrien Springs
8302 Edgewood Road
Berrien Springs, MI 49103
Phone: (616) 471-9749

Centerville
693 East Main Street, P.O. Box 579
Centerville, MI 49032
Phone: (616) 467-8080

Grand Rapids
3225 Walker Avenue NW, P.O. Box 141520
Grand Rapids, MI 49514
Phone: (616) 647-0030

Hart
3486 West Polk Road, P.O. Box 72
Hart, MI 49420
Phone: (231) 873-7102

Hastings
1611 South Hanover Street, Suite 102
Hastings, MI 49058
Phone: (616) 945-9415

Schoolcraft
225 West Lyon Street, P.O. Box 637
Schoolcraft, MI 49087
Phone: (616) 679-5296

THE FARM CREDIT SYSTEM

The Farm Credit System is a nationwide network of borrower-owned lending institutions and specialized service organizations. The System consists of six Farm Credit Banks, one Bank for Cooperatives, and one Agricultural Credit Bank which provide funding and affiliated services to over 200 locally owned Farm Credit associations and numerous cooperatives nationwide. The fundamental purpose of this network is to provide American Agriculture with a source of sound, dependable credit at competitive rates of interest. The system provides credit and related services to farmers, ranchers, producers and harvesters of aquatic products, rural homeowners, certain farm-related businesses, agricultural and aquatic cooperatives, rural utilities, and to certain foreign or domestic entities in connection with international agricultural credit transactions.

U.S. FARM SERVICE AGENCY

Michigan State FSA Office
State Executive Director
3001 Coolidge Rd., Suite 350

East Lansing, MI 48823
Phone: (517) 324-5110
http://www.fsa.usda.gov

FARM LOAN PROGRAMS

FSA offers direct and guaranteed farm ownership and operating loan programs to farmers who are temporarily unable to obtain private, commercial credit. Often, these are beginning farmers who can’t qualify for conventional loans because they have insufficient financial resources. The Agency also helps established farmers who have suffered financial setbacks from natural disasters, or whose resources are too limited to maintain profitable farming operations.

Information on ag credit programs of the Farm Service Agency may be obtained from ag credit teams located in USDA/FSA service centers located throughout the state.

USDA RURAL DEVELOPMENT - RURAL
BUSINESS - COOPERATIVE SERVICE

USDA Rural Development
3001 Coolidge Rd. Suite 200
East Lansing, MI 48823-6321
Phone: 1-800-944-8119

Mission:

The mission of the Rural Business-Cooperative Service (RBS) is to enhance the quality of life for all rural Americans by providing leadership in building competitive businesses and cooperatives that can prosper in the global marketplace.Services Available:

• Technical Assistance
• Business and Industry Guarantee Loans
• Business and Industry Direct Loans
• Research
• Education and Information

U.S. SMALL BUSINESS ADMINISTRATION
(SBA) BUSINESS LOAN PROGRAM

McNamara Building, Suite 515
Detroit, MI 48226
Phone: (313) 226-6075
Fax: (313) 226-4769
E-mail:michigan@sba.gov
http://www.sba.gov

Purpose:

To provide financial assistance to existing or prospective small business owners.Services:

• Small business concern works with local banker
• SBA guarantees loans up to 75-80%
• Loans have maximum size of $750,000

MICHIGAN BANKERS ASSOCIATION

Michael J. DeFors
222 North Washington Square, #320
Lansing, MI 48933
Phone: (517) 485-3600
Fax: (517) 485-3672
Email: mdefors@mibankers.com
http://www.mibankers.com

Purpose:

The Michigan Bankers Association (MBA) is the largest state trade group representing the commercial banking industry in Michigan. It is comprised of over 180 commercial banks, savings banks and limited purpose banks operating within the state. Member banks with main and branch offices located in agricultural areas throughout the state offer a variety of personalized services and financing products to all sectors of Michigan’s agricultural economy including producers, operators and agribusiness. A directory of member banks and their locations can be found on the MBA website.

MICHIGAN LEAGUE OF COMMUNITY BANKS

Robert G. Howell, President
200 North Washington Square, #300
Lansing, MI 48933
Phone: (517) 371-2200
Fax: (517) 371-4081
Email: rhowell@mileague.com

Purpose:

Michigan League of Community Banks is a trade association representing savings banks and community banks. For a list of lenders in your area please contact the above address.

BEGINNING FARMER LOAN PROGRAMS

Farm Credit Services, USDA Farm Service Agency and certain individual banks have special loan or loan guaranted programs for young or beginning farmers. It is recommended that interested persons directly contact these credit organizations to obtain information on their beginning farmer loan programs.