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Credit Services

Your Ag Lending Partner Since 1932

We are a full-service agricultural lender, with a team who understands the unique challenges often involved in agricultural and livestock lending. We have been a trusted, reliable source of financing for the family farm for more than 90 years.

Whether you need a line of credit, real estate loan or a more comprehensive financing solution, UPI Credit Services has experienced loan officers with decades of knowledge and industry expertise. We will help you develop a plan, walk you through available options, and finally customize a loan that’s right for your operation.

We love what we do, living and supporting agriculture, and would be proud to help support your lending needs.

Call UPI Credit Services For All Your Ag Financing Needs

UPI Credit Services is your source for agricultural, farm machinery and livestock financing. With experienced regional credit officers located throughout Kentucky, Indiana, Illinois, Michigan, Ohio, and Tennessee, we are available to come to your farm and answer any questions.

 

Competitive Rates

UPI Credit Services offers competitive interest rates, including long term fixed interest rates for our real estate products. Please contact a representative of UPI Credit Services to learn how we can help meet your credit needs.

Loan Calculator

Calculate potential loan payment options.

We specialize in financing the following areas:

  • Livestock financing
    • Feeder Livestock (all types)
    • Breeding livestock
  • Cattle preconditioning / backgrounding programs
  • Building financing
  • Operating and input financing
  • Real Estate

To start your loan process, download a pre-application form or contact one of our experienced staff members that are listed below.

 

 

Flexible Farm Leasing with 100% Financing and Tax Benefits

Whether you need equipment, irrigation, a new farm shop, grain storage - virtually any non-real estate asset for your operation - our new lease program is a great option. Leasing can be a strategic way to invest in your operation without tying up all of your resources.

Our new leasing program offers 100% financing; covering not just equipment, but also essential project costs like electrical, plumbing, and concrete work. In many cases, you can even finance your down payment - meaning no out-of-pocket costs until construction is complete on your project. Additionally, lease payments may be fully tax-deductible*, potentially offering more tax benefits than the interest-only deduction of a traditional loan.

Repayment plans can be customized to your operation's cash flow. Choose monthly, quarterly, semi-annual, annual, or Harvest Plan payments. Lastly, there is no mortgage required with our new lease option, which is beneficial if you have low-interest rates or own your land out-right. Contact us today to learn more.

*Always consult a CPA or tax specialist regarding tax deductions.

Regional Loan Officers

Ashley Culp
Call: (989) 430-3424
Fax: (989) 367-5929

Northern Ohio, Michigan, Indiana

Learn more about Ashley here.

 

Brian Fracker
Call: (740) 403-6225

Eastern Ohio, Southern Ohio, Illinois

Learn more about Brian here.

 

 

Ben Seibert
Call: (419) 303-0907
Fax: (419) 491-3005

Western Ohio, Kentucky, Tennessee

Learn more about Ben here.

 

Peggy Swanson, Loan Administrator

Call: (614) 433-2160
Fax: (614) 433-2161

 

 

 

Leadership

 

Hollie Bunn, Vice President of Credit Services

Office: (800) 641-7522

 

 

John King, Business Development Officer

Call: (419) 937-4148
Fax: (419) 937-1866

Learn more about John here.

 

 

Support Staff

 Debbie Schultz, Loan Administrator

Call: (614) 433-2156
Fax: (614) 433-2157

 

 

 

Caitlin Busald, Senior Underwriter 
Call: (419) 575-8850
Fax: (614) 433-2292

Learn more about Caitlin here.

 

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