Agriculture | Sherwood State Bank

Business Agriculture

Running a farm or ag-based business takes dependable tools and practical financing. Our agriculture solutions are built to support daily operations, long-term investments, and the growth of your farm—whether you're upgrading equipment, purchasing land, or managing seasonal expenses.

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Wide green cornfield with a red barn, silo, and white farmhouse under a blue sky with wispy clouds.

Agriculture Loans

Agriculture comes with its own challenges, and the right financing can make all the difference. Our ag loan options offer flexible terms and straightforward support for equipment, real estate, operating costs, and improvement projects that keep your operation strong.

Operating Loans

Keep your operation running smoothly with flexible financing that covers seasonal expenses, input costs, and everyday needs.

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Close-up of golden wheat stalks in a field with a tractor blurred in the background under a clear blue sky.

Equipment Loans

Finance the equipment that keeps your operation productive. From tractors to technology, we offer options that fit your budget and timeline.

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Farm Real Estate Loans

Whether you're expanding, refinancing, or purchasing new ground, we offer competitive financing for farmland and agricultural property.

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Link Deposit Program

Take advantage of reduced-rate financing through state-supported programs designed to help lower your borrowing cost.

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Water Pollution Control Link Loan

Qualified improvements can receive reduced-rate financing to support soil and water conservation efforts on your farm.

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Operating Loans

Our operating loans help cover cash-flow needs throughout the year. Use funds for seed, feed, fertilizer, fuel, repairs, or other day-to-day costs that keep your operation moving.

Features

Once the checking account balance falls below $500.00, increments of $100.00 will be transferred from your line of credit to your checking account.
Monthly statements contain information on each transaction you made as well as your payment due for that month.
You can make principal payments at any time to reduce the outstanding balance of the loan, and draw the full amount of the loan again.

Equipment Loans

When you’re ready to upgrade or replace equipment, we offer financing with repayment options that match your operation’s income cycle and long-term needs.

Features

Variety of plans for fixed and variable rate programs.
Monthly payments can be monthly, quarterly, semiannually, or annually!

Farm Real Estate Loans

Whether buying additional acreage, refinancing existing property, or investing in long-term improvements, our farm real estate loans provide steady, dependable financing tailored to ag operations.

Features

Loans available at fixed and variable rates.
Payments can be made monthly, quarterly, semiannually and annually.

Link Deposit Programs

This program has a seasonal application and requests must be submitted annually, prior to the planting season.

Features

See us for reduced rate options.
Deadline for applications is the first week of March.

Water Pollution Control Link Loan

The Ohio Environment Protection Agency creates standards for air quality, waste management, water, and various sites that have been contaminated.

Contact Ohio EPA:

Refer to the county contact list for local contact.
Find directions to their Government Center here.

Contact our Lending Team

Interested in a loan or have questions about your finances? We’re here to help. Connect with someone who knows your community—and takes the time to understand your goals. Let’s talk about what’s next for you.

Mickey Schwarzbek

President / CEO
Sherwood Main Office

Phone: 419-899-2111
Email
NMLS #458177

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