Greenstone Farm Credit Services, ACA

This is a financial institution specializing in agricultural and rural business loans, providing tailored financing solutions for farmers and agribusinesses in Michigan and surrounding areas.

It is recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours for general inquiries.

The office operates Monday through Friday from 8:30 AM to 5:00 PM, with additional hours by appointment as needed.

There are no fees for initial consultations; fees are associated with specific loan processing and closing costs, which will be disclosed upfront.

This service is primarily open to farmers, rural business owners, and residents within the lending region who meet the qualification criteria.

A minimum personal credit score of 640 is generally preferred, though other factors may also influence approval decisions.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Greenstone Farm Credit Services, ACA typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Greenstone Farm Credit Services, ACA to confirm current weekend availability before you go.

Greenstone Farm Credit Services, ACA is located in Michigan — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Greenstone Farm Credit Services, ACA, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Greenstone Farm Credit Services, ACA itself, which runs its own lending under its own ownership. If you work at Greenstone Farm Credit Services, ACA, you can claim this listing from this page to manage it.

The core details for Greenstone Farm Credit Services, ACA — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Greenstone Farm Credit Services, ACA before applying. If you represent Greenstone Farm Credit Services, ACA, claim this listing to keep its information up to date.

You can reach Greenstone Farm Credit Services, ACA by phone at (517) 318-4100 or online at greenstonefcs.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Greenstone Farm Credit Services, ACA before relying on them.

Like most SBA lenders, Greenstone Farm Credit Services, ACA can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Greenstone Farm Credit Services, ACA directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Greenstone Farm Credit Services, ACA participates in SBA Express depends on its specific SBA lending authority. Contact Greenstone Farm Credit Services, ACA and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Greenstone Farm Credit Services, ACA can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Greenstone Farm Credit Services, ACA's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Greenstone Farm Credit Services, ACA directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Greenstone Farm Credit Services, ACA what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Greenstone Farm Credit Services, ACA to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Greenstone Farm Credit Services, ACA to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Greenstone Farm Credit Services, ACA weighs this case by case under its own policy, so be upfront about your history and ask Greenstone Farm Credit Services, ACA how it evaluates prior bankruptcies.