127 22nd Street
Greeley, CO 80631
970.346.7900

Business Banking

In the Business of Helping Businesses Grow

At First FarmBank, we recognize the unique banking need of businesses in our communities. That's why we offer a broad range of financial products and services that address the specific needs of our business clients.

The Power of a Team Approach
Understanding your business' financial needs and finding the right solutions doesn't have to be a daunting task. At First FarmBank our Business Banking Team will come to your business to provide you the personal service and convenience you want and need, so we make it easy for you to do the smart thing for your business.

Business Accounts and Cash Management Services
First FarmBank provides commercial checking, savings and money market accounts that will streamline accounting tasks and allow you to spend less time managing your money. Electronic statements are available for all checking and savings accounts, and check images are available for all checking accounts.

Cash Management and Online Business Banking Services
These Internet-based financial information and transaction initiation systems are designed for businesses. Save time with easy access and accurate and timely balance and transaction information. Transfer funds, pay bills, conduct payroll activities, originate transactions, or pay your taxes 24 hours a day, 7 days a week.

Business Checking
We have checking accounts for any organization. Get earnings credit that can be applied to service fees, and save money by not paying fees for services you don't use.

Business Checking With Interest
An interest bearing account for businesses that have higher balances. Interest is compounded daily on the collected balance and paid monthly.

Business Savings
This variable account is for businesses with basic savings needs that desire a predictable rate of return on their savings and ready access to funds. Monthly withdrawals are limited, but interest is compounded daily and paid monthly.

Business Green Savings
The perfect account if you make six or less withdrawals each month. This account requires a $1000 minimum daily balance to receive the bonuses of the increased interest rate. If the balance drops below $1000 the interest rate is reduced. Additionally, the idea behind this great account is that it gives you the option of increasing the APY through bonus additions to your earning rate through the following:

Earn an additional .05% by opening your Green Savings Account with a direct ACH electronic debit from your current deposit account at another bank and by maintain a monthly ACH electronic credit.*
Earn an additional .20% by opening or having a non-interest checking account with First Farm Bank. Or earn an additional .10% if you open or have an interest bearing NOW checking account.*
Additionally if you also have Certificates of Deposits and/or loans with us we will tack on an additional .10% onto your rate a well.*
* The bonus rate additions are subject to removal if the ACH credits are removed or the accounts or loans are closed.

Business Green Money Market
This account allows six (6) withdrawals per month. Interest is credited to your account monthly. This account requires a $1000 minimum daily balance to receive the bonuses of the increased interest rate. If the balance drops below $1000 the interest rate is reduced. Additionally, the idea behind this great account is that it gives you the option of increasing the APY through bonus additions to your earning rate through the following:

Earn an additional .05% by opening your Green Money Market with a direct ACH electronic debit from your current deposit account at another bank and by maintain a monthly ACH electronic credit.*
Earn an additional .20% by opening or having a non-interest checking account with First Farm Bank. Or earn an additional .10% if you open or have an interest bearing NOW checking account.*
Additionally if you also have Certificates of Deposits and/or loans with us we will tack on an additional .10% onto your rate a well.*
* The bonus rate additions are subject to removal if the ACH credits are removed or the accounts or loans are closed.

Business Loans

Revolving Lines of Credit
This resource allows you to draw on a pre-established credit line for business needs such as working capital and seasonal accounts receivable/inventory requirements. You may select the interest payment option that meets your cash flow needs.

For qualifying commercial borrowers, we offer a loan Target Balance Account (TBA) that keeps your funds concentrated while automatically transferring dollars to pay down your revolving line of credit. A Target Balance Account reduces idle balances in your operating account. Funds move automatically between your operating account and your loan, eliminating manual transfers.

Machinery and Equipment Loans/Term Loans
These installment loans are for acquiring or refinancing equipment, purchasing commercial vehicles, permanent working capital, debt restructure, business expansion and business acquisition. Predictable fixed monthly payments help you accurately plan your cash flow.

Letters of Credit
First FarmBank will provide Letters of Credit to third parties that provide a guarantee by our bank for your benefit to assure work is performed, services are provided or goods are delivered. Our guarantee is backed with an approved loan to your business.

Real Estate Loans

Commercial Real Estate Mortgage Loans
We offer you the ability to buy, build or refinance commercial real estate property to invest in your company's future growth, eliminate rent payments and help your cash flow. We encourage you to consult with your tax advisor regarding potential tax benefits.

Real Estate Construction Loans
We provide loans for land development or construction of real estate properties for local contractors to develop and build commercial and residential structures.

Agricultural Real Estate Lending
First FarmBank's financing or refinancing of rural properties will help you gain independence and invest in future growth, while possibly reducing mortgage payments or providing additional cash flow. Consult with your tax advisor for other potential benefits.

Agricultural Loans

Crop Production Loans
Our agriculture operating loans will allow you to draw funds for business needs related to crop production to help you control your cash flow.

Livestock Loans
We provide loans to purchase and carry livestock operations for a term that is appropriate to the business cycle for the borrower, while helping control cash flow for future growth.

Dairy Loans
Term loans and revolving lines of credit to dairy operations allow you to draw for a variety of business needs, including seasonal requirements.

Farm Service Administrations (FSA) Guaranteed Loans
These loans provide for operating funds, farm related purchases and real estate financing. Down payment and repayment terms may be more flexible than conventional agricultural loans.

Invitation
Touch base with the bank that is the second most passionate person about your business. One of our Business Banking Team members will be happy to take as much time as you need. Let us shed some light on your path to success.