Food and Agribusiness
Financial solutions for the entire food value chain — from farm to fork
From multigenerational farmers to global food manufacturers, UMB delivers the expertise and financial partnership to help the entire food system thrive.
Deep roots in food and agribusiness
Since 1913, farmers, ranchers and producers have counted on UMB for stable and steady banking support. Our commitment now spans the entire food value chain from production to distribution and everything in between.
Relationships that last
At UMB, relationships are built on trust. We take the time to understand your business and stand beside you through every market cycle, earning loyalty that spans generations.
Comprehensive solutions
Our experienced team combines deep industry expertise with a consultative approach to deliver tailored financial solutions that help to strengthen operations, build financial resilience and drive sustainable growth.
Ready to grow your business?
Whether you’re financing new equipment, expanding operations or navigating market shifts, our team is here to help.
A legacy of leadership
As a fourth-generation, family-led bank, UMB is guided by values we share with our clients: integrity, accountability and stewardship. Our dedication to legacy informs how we build relationships, make decisions and deliver value to our clients in the food and agribusiness industry.
"We understand the hard work involved with getting food to America's tables, and UMB is proud to be a part of it."
Mariner Kemper
,chairman, president and CEO, UMB Financial Corporation
Expertise across the food ecosystem
The food and agribusiness industry faces unique challenges — cyclical markets, commodity price volatility, seasonal demand, and complex supply chains. UMB helps clients navigate these hurdles with tailored financial solutions that support stability, growth and long-term resilience.
Production agriculture
Farming and livestock operations are inherently cyclical, with cash flow that can fluctuate seasonally. We provide financing and advisory support to help growers, ranchers, dairy farmers and animal protein producers, as well as producers of fresh produce, tree fruit, nuts and row crops like corn, wheat, and soybeans, manage seasonal swings and plan for long-term growth.
Ag inputs and value chain supporters
Manufacturers and distributors of fertilizer, seed, crop protection products and farm equipment face capital-intensive operations and seasonal demand peaks. UMB offers working capital and equipment financing solutions that keep operations running smoothly and efficiently.
Food and beverage processing
Price fluctuations, production bottlenecks, and cash-flow pressures challenge processors, wineries and ingredient suppliers. We deliver financial strategies that optimize operations, fund expansion and mitigate risk across the production and processing stages.
Distribution, packaging and logistics
Supply chain complexity, storage limitations and distribution timing can impact profitability. UMB provides financing solutions for shippers and distributors handling packaging, cold storage and transportation to maintain efficiency and meet customer expectations.
Solutions tailored for the Food and Agribusiness industry
Trusted, long-standing relationships
For over a century, UMB has had the privilege of supporting farmers, ranchers, processors and distributors in their work of feeding the world. These stories reflect the real experiences of our clients and how a thoughtful financial partnership can help businesses grow, adapt and thrive.
Watch their stories to learn how UMB works alongside clients to navigate challenges and achieve their goals:
Guetterman Brothers Family Farm
KBH Corporation
Strength, stability and service you can count on
Responsive and personalized service
You won’t find a one-size-fits-all banking here. Our team takes the time to understand your operation and goals, providing thoughtful solutions and next-level responsiveness.
Flexibility when it matters most
Our nimble structure allows us to move quickly and adapt — as your needs change.
A partner for all seasons
UMB has supported the food and agribusiness industry since 1913 — standing by our clients through both challenging and prosperous times.
Comprehensive financial support
When partnering with UMB, you gain access to our full suite of solutions. In addition to lending expertise, our Treasury Management team specializes in optimizing cash flow for food and agribusinesses, while our Private Wealth team helps clients preserve and grow their legacy.
Deep roots and an experienced team
Our officer tenure exceeds industry standards. Many of our team members have personal backgrounds in farming, ranching and food production, and they have firsthand experience with the opportunities and challenges you face.
We’re here for you—season to season, year after year
From day-to-day operations to long-term growth, our Food and Agribusiness specialists work with you to create financial strategies built for your success.
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Finding your farm bank: The three ‘Cs’ you want in an ag lender
Read NowOne of the most important teammates you’ll have in your farming or ranching operation is your bank, but what makes a good agriculture bank and lender? Building and maintaining a strong relationship with your banker is critical in the ag...
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Planning your harvest cash flow and setting a strategy
Read NowAlong with harvest planning, pre-harvest is a critical time of year for farmers to assess their marketing and financial situation. It’s a good time to review your crop projections to see how they align with your pre-planting estimates and turn...
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The importance of working capital in agribusiness
Read NowTo many bankers and financial lenders, working capital is perhaps the most important financial element to an operation. But for many producers, it’s not a priority until it is. I’ve heard it compared to oxygen in the human body –...
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UMB Bank + KBH Equipment: An inside look at an agribusiness relationship
Read NowUMB has been involved in agriculture (ag) since our founding more than 100 years ago. We started in this business in 1913 in Kansas City, Missouri, which at the time, was the heart of our country’s ag industry. Fast forward...
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UMB Bank+The Guetterman Brothers Family Farm: An inside look at an agribusiness relationship
Read NowGuetterman Brothers Family Farms One family who makes their living in ag is the Guettermans, a multi-generational family who owns the Guetterman Brothers Family Farms operation in Bucyrus, Kansas. Since 1966, the family has worked side-by-side in the fields to...
Questions about Food and Agribusiness Finance? UMB has answers.
UMB provides financial solutions for the entire food value chain — from farmers, ranchers, and dairy producers to processors, distributors and packaging companies. Whether you’re running a family farm or managing a large-scale food manufacturing operation, our team understands your industry and can deliver financial strategies to match your goals.
UMB supports food and beverage processors, ingredient suppliers, wineries and packaged goods manufacturers with working capital, real estate financing and treasury management solutions. We help businesses manage input costs, fund expansion and maintain financial resilience through changing market conditions.
Our suite of financing solutions includes working capital lines of credit, equipment finance, term and real estate loans, acquisition financing and growth capital with the ability to lead large syndicated facilities. We also provide treasury management services designed to help optimize cash flow and manage liquidity.
We offer flexible financing options to help with seasonal cash flow, equipment purchases, land expansion and operational needs. Our team specializes in production agriculture — including row crops, tree fruit and nuts, livestock and dairy — and we build tailored plans to support both short-term operations and long-term sustainability.
With more than a century of experience serving food and agribusinesses, UMB combines deep industry expertise with relationship-based service. Many of our bankers have agricultural backgrounds and understand the cycles, challenges and opportunities firsthand. We take pride in delivering responsive service, flexible solutions and stability that stands the test of time.
The UMB Private Wealth team can help multigenerational farm families and agribusiness owners plan for the future. Our advisors provide guidance on succession planning, estate strategies and investment management to help preserve your legacy for generations to come.
