Fresno Madera Farm Credit

Name: Fresno Madera Farm Credit
Address: 4635 W Spruce Ave, Fresno, CA, 93722, US
Telephone: (559) 277-7000
Rating: 5.0

Agriculture is our only business.

5.0

Total Reviews: 2

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Loan Agency·Today: 8:00 AM to 5:00 PM·Fresno, CA

4635 W Spruce Ave

Fresno, CA 93722-8425

(559) 277-7000

www.fmfarmcredit.com

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About this business

At Fresno Madera Farm Credit, agricultural financing is all we do. As a trusted ag lender in California’s Central Valley, we understand the unique challenges that farmers, ranchers, and agribusinesses face every day. For generations, we’ve provided customized financial solutions—including short-term operating loans, long-term real estate financing, and equipment loans—tailored to support the success of local agriculture. Whether you're expanding your land, upgrading your equipment, or managing seasonal cash flow, Fresno Madera Farm Credit is here to help you grow—season after season, year after year.

Products and Services

Mortgage Loans

Financing your farm or ranch isn’t just about numbers on a page—it’s about securing the future of your operation with a partner who understands agriculture. Whether you’re expanding your acreage, refinancing existing real estate, funding construction projects, or keeping your working capital strong, we offer competitive and flexible solutions to meet your needs.

Commercial Operating Loans

Intermediate Term Loans Other Services Commercial Operating Loans Commercial Operating Loans The Financial Backing Your Operation Needs Farming isn’t just a business—it’s a constant battle against the unpredictable. Weather, markets, input costs—you can’t control them all, but you can control how you prepare. That’s where we come in. Our commercial operating loans provide the working capital you need to keep your operation running smoothly, whether you’re financing crops, livestock, dairy, feed, agribusiness expenses, or managing accounts receivable and inventory.

Intermediate Term Loans

Agriculture is always evolving, and your operation needs to keep pace. Whether you’re making critical land improvements or upgrading essential equipment, having the right financing in place makes all the difference. That’s where we come in. Development Loans – Invest in the Land, Invest in the Future Your land is more than soil—it’s the foundation of everything you do. Our development loans help you make lasting improvements, from permanent plantings to new irrigation systems and well enhancements. ✅ Flexible financing – Variable rate options tailored for ag ✅ Smart payment structure – Interest-only payments during pre-productive stages ✅ Terms built for long-term growth – 15-20 years to repay Equipment Loans – Power Your Operation with the Right Tools The right equipment isn’t a luxury—it’s a necessity. Whether you’re upgrading machinery or adding new technology to improve efficiency, we help you get what you need to succeed. ✅ Rates that work for you – Variable and fixed-rate options, including selections with no prepayment penalties ✅ Straightforward security – First lien on the equipment being financed ✅ Flexible terms – Up to 7 years to match your budget and business cycle

Appraisal Services

Trust us for all of your Appraisal needs. We can help you establish property values for purchasing or selling real estate, financial planning, estate planning, or obtaining financing. Our state licensed and certified staff is dedicated to providing timely, accurate, and impartial appraisals for all agricultural based assignments. We maintain a large, current, and comprehensive farm real estate sales database and we have direct access to information on the latest trends in real estate values.

Memberships and Associations

FMFC is a federally chartered, member-owned, credit institution serving the Central Valley.

Areas Served

We serve farmers, ranchers, and agribusinesses in Fresno and Madera counties.

Frequently Asked Questions

FMFC shares curated ag-centric information, engages in industry advocacy and community education, and consistently invests in the long-term viability of agriculture in the Central Valley through cooperative programs, partnerships, donations & sponsorships, and employee volunteer hours.

FMFC maintains multiple offices in the Central Valley including Fresno, Madera, and Kingsburg, CA. You can contact the Fresno headquarters at: 4635 W. Spruce Ave., Fresno, CA 93722 Phone: (559) 277-7000 Email: info@fmfarmcredit.com

Borrowers become owners of the cooperative. This membership gives you a stake in FMFC’s success, which may result in patronage distributions, and aligns the association’s interests directly with yours.

FMFC’s mortgage financing is specifically tailored to agricultural operations, offering flexible terms (5–25 years), competitive rates, and payment schedules that align with farm cash flow, plus in-house appraisal expertise and options like interest-bearing future payment funds.

Quick Loans provide fast, simplified financing for short-term agricultural needs such as seasonal expenses, livestock purchases, or small equipment financing. These loans offer a streamlined application and rapid turnaround.

FMFC’s Patronage Program returns a portion of the association’s financial earnings back to eligible member-borrowers. Patronage is a cooperative benefit that reflects FMFC’s success and supports members financially.

Yes. FMFC runs specialized programs including support for Young, Beginning & Small Farmers designed to help new producers establish and grow their agricultural enterprises.

Mortgage Loans – Long-term real estate financing for land, ranches, and construction financing. Commercial Operating Loans – Short-term working capital for seasonal or ongoing operational needs. Intermediate Term Loans – Flexible financing for equipment and capital investments. Other Services – Customized financial solutions based on member needs.

Eligible borrowers are agricultural producers, ranchers, and agribusinesses operating in FMFC’s service area (Fresno and Madera Counties). Because FMFC is a cooperative, borrowers who take loans may also become members and share in cooperative benefits, such as patronage.

Fresno Madera Farm Credit (FMFC) is a federally chartered, member-owned agricultural credit cooperative that provides financial services exclusively to farmers, ranchers, and agribusinesses in California’s Central Valley. As part of the nationwide Farm Credit System, FMFC focuses solely on agricultural lending and partnership.

mortgage lender, loan agency, appraiser, agricultural loans, financial institutions

1916

info@fmfarmcredit.com

Mon 8:00 AM to 5:00 PM
Tue 8:00 AM to 5:00 PM
Wed 8:00 AM to 5:00 PM
Thu 8:00 AM to 5:00 PM
Fri 8:00 AM to 5:00 PM
Sat Closed
Sun Closed
Closed on federal holidays.

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Reviews for Fresno Madera Farm Credit

Fresno Madera Farm Credit received an average rating of 5.00 out of 5 stars from 2 reviews.

Write a review

Great to work with by Mark on 2/11/2026

Working with Fresno Madera Farm Credit has been consistently professional and efficient. Katie exemplifies responsiveness and deep industry knowledge, making complex loan processes straightforward. Their commitment to clear communication and timely service strengthens our ongoing business relationship. Highly recommend for streamlined agricultural financing solutions.

by Lina on 8/12/2021

Great Bank for farmers! by Francine E via Insider Pages on 10/15/2008

I highly recommend this bank to farmers who need a loan for their crop. My grandfather has been coming to this bank for many years and they treat him great! He has never had any problems with this bank and getting the money he needs for…

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