UB&T agricultural banking services have a long history within our southern Wisconsin communities and farmers. We offer a variety of loans including operating, term, real estate and young/beginner farmer loans.


Operating Loans

Used for crop inputs, feeder livestock, feed purchases and general farm operating expenses. We offer flexible loan terms, payment dates matched with your commodity sales cycles and variable or fixed interest rates.

Term Loans

Designed for capital purchases with up to a seven-year asset life, such as breeding livestock, machinery, equipment, vehicles, irrigation, construction and improvements. Loan amortization and repayment schedule is matched with asset life and the borrower’s cash flow. Interest rates may be variable or fixed.

Real Estate Loans

Customized for the purchase or refinance of farm real estate, bare farm land, recreational land, and buildings or improvements. Our real estate loans are designed to fit your needs with amortization so up to 30 years, a variety of variable or fixed interest rates, and payment timing to match cash flow.

Young & Beginning Farmer Loans

Help borrowers get new and existing operations off the ground and running. Financing packages are designed to meet the unique needs and goals of the borrower. UB&T is a ‘Preferred Lender’ with USDA-Farm Service Agency, making it possible to provide features, such as extended amortizations, low down payment plans, low interest rates and flexible repayment plans. UB&T offers the information and advice young and beginning farmers need to guarantee long-term success.