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Working with FCC

As borrowing needs change, developing a solid relationship with your lender is important.  And when it’s time to discuss your loan application, things always go better when you’re prepared. That's why we put together this helpful guide to get you started. We've also included a handy checklist to help you stay on track.

What's inside

  • ​A solid FCC relationship - what's in it for you?
  • Preparing for your loan - what you need and why
  • Three ways we look at your loan application
  • How to take your FCC relationship to the next level


Let's work together

Contact an FCC representative near you.

Your FCC relationship checklist

Prepare for your loan

  • Determine short- and long-term business goals.
  • Identify borrowing needs.
  • Generate a net worth statement
  • Collect past three years of tax returns or accountant-prepared financial statements.
  • Gather recent pay stubs or written employer verification for off-farm income (if applicable).
  • Bring government-issued photo ID (drivers license, passport).
  • Collect shareholder agreements (if any).
  • Assemble copies of existing operating loan agreements.

Identify your business needs

  • Review net worth statement and be prepared to discuss anything unusual.
  • Explain how you’ll be able to manage the loan without major strain on your operation.
  • Review your past financials.
  • Demonstrate you’re paying down debt or investing in revenue-generating assets.
  • Outline your operational risks and be prepared to discuss them.
  • Consider involving a third party to help with financial planning (accountant, financial planner).
  • Build your business and marketing plan.
  • Prepare and maintain a cash flow budget.

Get the most from FCC

  • Invite your FCC Relationship Manager to visit your place of business. We’d love to see how you operate.
  • Share good and bad news – we’re flexible and have many ways to help.
  • Take full advantage of free FCC knowledge and learning resources.
  • Think of FCC as a partner – we’re in your corner.