Skip to main content
Image Alt Text
 
Business & Agriculture
 

In every season, we got your back.

Running a small business or a family farm means juggling markets, weather, payroll, and parts delays—often before breakfast.

We bring you fast, flexible lending built for Saskatchewan farms, ranches, and small business, with decisions made right here at home.

 
Why Choose Us?
 
Home-field advantage. We approve loans here in Turtleford, not Toronto, so you get an answer fast.

Advisors who’ve worn both work boots and shop aprons.
Our team has farm roots and business know‑how, so we speak your language.

Cash‑flow friendly terms.
Match payments to crop cycles or sales seasons to keep stress low.

Government-backed options.
CALA and CSBFP programs help lower down‑payments and extend amortization.
 

Book a 15-Minute Financing Chat

(branch, phone, video, or we’ll meet you at the shop/yard)

Select Image
Harvest without Hesitation Prime plus half percent

Harvest without Hesitation

Whatever the season brings—pre-harvest prep, mid-run repairs, or off-season upgrades—our Prime + 0.5 % Equipment Financing keeps your operation moving with less stress and more certainty.

Why this matters for your operation

  • Local speed. One 15-minute coffee-chat with our ag team gets the process rolling, and approvals are made right here in Turtleford—never by a remote head office.
  • Any size, same rate. Whether you’re replacing a $15,000 grain auger or upgrading to a $900,000 combine, the Prime + 0.50 % rate applies. No minimums, no caps.
  • Fits your cash-flow cycle. Payment schedules can align with crop income so post-harvest cash stays where it should—on your balance sheet, not ours.
  • Built for our ag community only. Proof of agricultural income is the only qualifier. If the purchase supports your ag business, we’ll support the purchase*.

Ready to harvest—without hesitation—today and every season ahead? One 15-minute chat is all it takes to get rolling.

 

*Rate equals Turtleford Credit Union Prime + 0.50 % and may change or be withdrawn without notice. Proof of agricultural income required. All financing subject to credit approval. Standard fees and conditions apply.

Ready to talk Equipment Financing?

Book your 15-Minute Chat Today!
Select Image
Solutions for Producers and Ranchers
 
Image Alt Text
 

Keep the iron turning with loans, leases, or lines—approved in days.

    • Fast Facts:
      • A good fit for new or used tractors, combines, grain bins, trucks, precision tech
      • Terms up to 10 yrs (loan) or match useful life (lease)
      • Seasonal or annual payment schedules
      • Leasing options also available through our partnership with Calidon Equipment Leasing
      • Get Equipment Quote: LendingTeam@turtlefordcu.ca

Ag Quick Loan or Ag Line of Credit for inputs, feed, or surprise repairs.

·       Fast Facts: Ag Quick Loan

o   A good fit for one-off cash needs—feed, vet bills, repair parts

o   Pre-approved “evergreen” limit— draw, repay, re-draw without re-applying

o   Limit set to your working-capital cycle

o   Interest charged only on the balance outstanding

o   Convert any portion to fixed-term if you prefer certainty

o   Ask about a Quick Loan: LendingTeam@turtlefordcu.ca

·       Fast Facts: Ag Line of Credit

o   A good fit for day-to-day operating or to buffer grain-cheque gaps

o   Interest-only while you use it

o   Always available, revolving credit attached to your chequing account

o   Limit reviewed annually with your farm plan

o   Top-Up my Line: LendingTeam@turtlefordcu.ca

Conventional Mortgages or CALA loans up to 80 % of value with terms that fit your long game.

·       Fast Facts: Conventional Ag Mortgage

o   A good fit for land purchase, yard site build, or refinance

o   Borrow up to 80 % of appraised value; 1–5 yr terms; amortization up to 25 yrs

o   Fixed or variable rate

o   Annual lump-sum pre-payment room

o   Optional creditor insurance available

o  Talk about a Purchase, Build or Refinance: LendingTeam@turtlefordcu.ca

·       Fast Facts: Canada Agriculture Loans Act (CALA)

o   A good fit for real estate, breeding livestock, equipment, grain storage, energy upgrades

o   Federal government-guaranteed loan program

o   Up to 80 % financing, 15-yr maximum term, 20 % down payment

o   Fixed or variable rate

o   Eligible costs incurred 60 days before advance can be financed

o   Let’s chat about CALA options: LendingTeam@turtlefordcu.ca

Built for producers & ranchers—so every input, part, and fuel stop works a little harder.

·       Fast Facts:

o   A good fit for day-to-day farm spending—fuel, parts, vet bills, crop inputs, hardware—and a smart way to track it all in one place.

o   All cards include Zero-Liability fraud protection, CardWise digital management, and optional centralized billing for multi-employee setups

Learn more and apply today: Card Related Services

Bundle soil-health upgrades or renewable-energy projects into your financing.

·       Fast Facts:

o   A good fit for carbon-credit pilots, solar pivots, soil-health equipment

o   Bundle costs into your operating line, a CALA loan, or a term loan

Finance Green Projects: LendingTeam@turtlefordcu.ca

 
Solutions for Entrepreneurs
 
Woman holding open sign
 

Renovate a storefront, add a second service truck, or buy inventory—fixed or variable rates.

    • Fast Facts:
      • A good fit for renovations, machinery, second truck, inventory
      • Finance inventory/equipment or permanent working capital; fixed or variable rate
      • Match amortization to asset life (up to 10 yrs)
      • Interest-only period available during build-out
      • Plan My Expansion: LendingTeam@turtlefordcu.ca

Up to 90 % financing for equipment or real-estate purchases with a 10 % down payment.

·       Fast Facts:

o   A good fit for Real estate purchase, large equipment, leasehold improvements

o   Federal government-backed program

o   Up to 90% financing; max $500 k; 10-yr amortization; fixed or variable rate

o   10 % down payment

o   Finance assets bought up to 180 days before approval

o   Explore if CSBFP is right for you: LendingTeam@turtlefordcu.ca

Cover payroll, seasonality, or bulk-buy discounts without dipping into personal funds.

·       Fast Facts:

o   A good fit for covering payroll, supplier terms, seasonal swings

o   Revolving limit tied to your business chequing; pay interest only on what you use

o   Limit can be secured by inventory, A/R or real estate

o   Ask about an LOC: LendingTeam@turtlefordcu.ca

Turtleford Credit Union business credit cards, offered in partnership with Collabria®, rewards on everyday spending.

·       Fast Facts:

o   A good fit for everyday business buys—inventory, office supplies, online ads, fuel, client lunches, and shipping—plus a simple way to keep transactions organized in one place.

o   Cash-back, points or travel options; mobile wallet and tap enabled

o   Expense-management portal & custom limits per card

o   Extended warranty & purchase protection on eligible cards

o   Learn more, Apply today: Card Related Services

 
How it Works (3 Easy Steps)
 
1. Connect. Email LendingTeam@turtlefordcu.ca or call 306-845-2105.

2. Share your vision & numbers. We’ll map the best options together.

3. Sign & get rolling. Funds arrive quickly, and we stay in touch all season long.

Book a 15-minute Chat

Select Image
Your Lending Team 
 

Julie Brendle 
Loans Manager

Patricia Fink
Loans Officer 

Darcey Jenkins 
Loans Officer 
 

Melanie Locke 
Loans Officer/ Loans Clerk 
 

All lending subject to credit approval. Rates, limits, and conditions may change without notice.
Prime rate based on Turtleford Credit Union Prime as of funding date.
CALA & CSBFP financing follow federal program rules; ask for full eligibility details.
Calidon leases are provided by Calidon Equipment Leasing under a separate agreement; tax treatment varies—consult your advisor.