Business Leasing Options

Business Leasing Options

The Ideal Leasing Option

Leasing is easy, avoids the costs associated with referendums or bonding, and only the annual payments are included in annual budgets. Essential Agriculture and Commercial equipment is acquired today without the costly delays due to capital appropriations.

At Farmers & Merchants State Bank, we are ready to serve any leasing needs you have. With effective and competitive tax-exempt rates, we have a clear economic and community interest in making sure your transaction is properly structured and best serves our community. Rest assured F&M has the resources and expertise to assist you with any complex leasing needs. It also provides you with the flexibility you need when budgets and resources change.

Leasing Options

  • 100% financing available – no down payment required
  • New or used equipment
  • Variable payment for seasonal customers
  • Fixed rate for the lease term
  • Most leases can be structured to meet tax objectives

Accordion Feature

F&M offers commercial businesses and Ag producers an accordion feature in each lease allowing them to increase or decrease their payment during the lease term depending on need for tax shelter.

Commonly Leased Equipment

  • Agriculture

  • Commercial Vehicles

  • Construction

  • Manufacturing

  • Medical & Laboritory

  • Restaurants & Hospitality

  • Municipal & Schools

The Real Advantage

Leasing through F&M comes with real advantages. We know you, and we know your business. We have an established, trusted relationship, and we understand your objectives. Unlike traditional leasing companies, we never charge termination or prepayment penalties should you need flexibility during the term of your lease. Coordinating all your banking and equipment financing activity with one bank is convenient, saving you time. Talk with a commercial lender at your local F&M office to find out how we can meet your leasing needs.

  • Disclaimers
  • Lease servicing is provided through our partnership with BB Community Leasing Services, Inc. -Madison, WI

Request Info

Looking for more information on our Business Leasing Options? Submit your information and one of our local bankers will reach out to answer any questions you have!