our Corporate Brochure

Advancing the business of
agriculture
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Chances are, you’ll find FCC is different from
any other lender you’ve ever worked with.
We live and breathe Canadian agriculture and we’ve
been doing it for more than 50 years. We’re here
to support, strengthen and celebrate the industry,
and we’re proud of it. We know agriculture is big
business, but we also know it’s the little things that
count – like creating an extraordinary experience
for every customer.
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Table of Contents
FCC Financing
• Primary
producers
• Agribusiness and agri-food
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17
Loan insurance
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FCC Management Software
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Our knowledge offerings
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Doing business online
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Support for young farmers
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Giving back to communities across Canada
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FCC Vision Research Panel
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Agriculture More Than Ever
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Delivering an extraordinary customer experience
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Wherever you
find Canadian
agriculture,
you’ll find FCC
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We lend money to all agriculture
sectors, including:
• primary production
• agribusiness and agri-food
We share business management
knowledge and training with
Canadian producers, free of charge.
And we offer field management
and accounting software that’s
designed specifically for ag.
We stand up for and support our
industry wherever and whenever we
see an opportunity. And we ensure
corporate social responsibility (CSR)
is more than a guideline – it’s part
of who we are. We focus our CSR
activities on: agriculture and food,
community, customers, employees
and the environment.
If this sounds like a lender you’d like
to do business with, find out more
about FCC in the pages that follow,
give us a call at 1-800-387-3232
(local office) or visit us at fcc.ca.
Let us know what we can do for you.
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FCC Financing
Together, we’ll create the financing plan that works
for you. We get to know you, your farm and how you
want to grow. If you’re ready to get down to business,
talk to one of our farm business experts.
Real Property
Personal Property
Variable – Real Property
Variable – Personal Property
Our best variable mortgage interest
rate includes a 10 per cent prepayment
privilege and the option to convert
to a fixed interest rate.
Our best variable personal property
rate lets you prepay any amount at
any time and convert to a fixed rate
at your discretion.
Variable Open
Open Rates
Get maximum flexibility with
a variable mortgage interest rate
with full prepayment privilege
and the option to convert to a fixed
interest rate.
Get a competitive rate fixed for
the term of your personal property
loan with the benefit of prepayment
without penalty.
Fixed Closed Rates
Get financing right where you buy
your crop inputs. Draw against
your pre-approved loan at any time
and schedule payments around your
cash flow.
Get a low mortgage rate that’s fixed
for the interest term of the loan.
Crop Inputs
Feeder Cattle and Breeding
Livestock
Purchase through a livestock alliance
and there’s no prepayment penalty.
FCC Equipment Financing
When you use FCC Equipment
Financing to buy new or used farm
equipment, you’ll work with people
who know the industry.
Closed Rates
Get competitive rates fixed for the
term of your personal property loan.
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More of
Canada’s
farm experts
choose to do
business
with FCC
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Specialty
Interest-Only
Young Farmer Loan
1-2-3 Grow Loan
If you’re under 40, get up
to $500,000 with no loan
processing fees, with a variable
rate of prime plus 0.5 per cent.
Manage your cash flow with
interest-only payments for up to five
years, until you get a return on your
investment.
Performer Loan
Cash Flow Optimizer Loan
Get rewarded with lower interest
rates when your business achieves
pre-set financial goals and ratios.
Make interest-only payments while
reinvesting funds into other areas
of your operation, giving you the
control to make principal payments
when you choose.
Spring Break Loan
This loan offers fixed or variable
rates with a flexible payment
schedule to help manage irregular
income streams.
Energy Loan
Waived loan processing fees help you
convert to renewable energy sources
like biogas, geothermal, wind
or solar power.
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Deferred Payment
Extended Disbursement
Revolving
Flexi-Loan
Capacity Builder Loan
FCC Credit Line
Defer principal payments for up
to one year to take advantage
of business opportunities or ease
cash flow during adverse conditions.
Purchase quota, breeding livestock
or equipment with pre-approved
financing for up to 18 months with
the option to capitalize interest.
Start Now – Pay Later Loan
Construction Loan
Keep your day-to-day operations
running smoothly with this revolving,
pre-approved loan you can
access any time to finance your
operating costs.
Better manage your cash flow with
deferred payments and get your
operation up and running.
Defer your principal payments while
you build or expand, with interim
financing for up to 18 months
on construction projects.
Advancer Loan
Use this pre-approved, secured loan
with the flexibility to re-advance
funds at your discretion for capital
asset purchases.
Enviro-Loan
Defer loan payments on projects
that enhance your environmental
stewardship.
Transition Loan
Whether you’re just getting started
or you’re ready to sell the farm,
this helps buyers and sellers meet
in the middle.
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Leasing
Equipment Leasing
Lease new or used equipment at
more than 800 dealerships, plus
benefit from less money up front,
lower payments and increased
flexibility.
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Get fast financing, right on site
Need convenient financing to make the most of your business?
Ask your agriculture supply centre, livestock co-op/company
or equipment dealer about FCC Financing. They provide
the products – we provide the financing.
Crop Input Financing
Livestock Financing
When you’re pre-approved for
financing, you‘ll always be ready
to purchase when the time is right
for you. Apply at your local FCC
retail partner when you make your
input purchases.
Choose a revolving loan for feeder
cattle, or a term loan for breeding
livestock. There’s customized
pre-approvals, only a modest
down payment needed, and
no prepayment penalties.
You can finance your feed, seed,
fuel and fertilizer purchase, and
take up to 18 months to pay. With
renewal of your credit, you could
defer payment of your fall purchases
into the following crop year.
FCC Equipment Financing
Looking to buy or lease farm
equipment and machinery – new
or used? Check out fcc.ca.
More than 800 equipment dealers
across Canada offer this flexible
financing option right at the point of
purchase. Finance at variable or fixed
rates with up to 10-year terms. It’s
one-stop shopping for your
equipment.
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FCC Agribusiness
and Agri-Food
If you’re
ready for
a lender
who listens,
let’s talk
business
We finance food processors,
wholesalers, input providers,
equipment manufacturers
and dealers: businesses
that enhance Canadian
agriculture and agri-food.
Ready to expand your
business? Once we learn
how you want to grow, we’ll
create a financing package
that helps you do it.
We finance:
• real estate
• equipment and inventory
• business expansion
and construction
• cash flow
fccfinancing.ca
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FCC Loan Insurance
Wouldn’t it be good to know
you did everything possible
to protect your family and
your business if something
happened to you?
Benefits
• protect your family and business
• easy application process for new
and existing loans
• premiums conveniently included
with your loan payment
• coverage includes loss of life,
terminal illness and accidental
dismemberment
• full or partial coverage is available
• payment protection option – an
economical way to cover future
payments for a set period
• coverage for up to four people
on one loan
• option to insure key persons who
are vital to your operation
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Invest
in good
planning
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Manage your
farm like
never before
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FCC Management Software
AgExpert Analyst
Use AgExpert Analyst accounting
software to track your income
and expenses, track your inventory
and capital assets, and to prepare
financial statements.
Analyst has preset accounts
for various farm enterprises,
commodities and livestock types,
and automatic tracking of business
and personal splits for data entry
and GST calculations.
Field Manager PRO
Track seeding and planting
schedules, fertilizer applications,
pesticide use and yield information.
With Field Manager PRO, you’ll
have access to field and crop
record keeping and planning on
your computer and your smartphone.
Wherever you are, the information
is right at your fingertips.
Field Manager PRO 360
Manage your farm with satellite
images, so you can map and
compare your operations.
Get all the details right down
to every parcel of land.
FCC Management Software
Community
community.fccsoftware.ca
This is the place to get answers
to your software questions 24-7.
You have access to searchable
discussions and blogs filled with
FAQs on all our software products.
You can connect with other software
users and with our support staff.
AgExpert Mobile
Get AgExpert Analyst, then
download AgExpert Mobile. Use
your iPhone or Android phone
to record transactions on the fly,
from anywhere. No more lost
receipts and less paperwork at
the end of the month.
FM PRO Mobile
Free Customer Care
Buy AgExpert Analyst or Field
Manager PRO and get one year
of free software upgrades and help
from our Customer Care Centre.
Learn from the best
Get the most from your software
with free online or classroom
training. Need more one-on-one
support or even setup at your office
or home? Contact an AgExpert
Analyst Certified Advisor (ACA)
or Field Manager PRO Consultant
(FMC). Our national network
of accountants, agrologists and other
professionals will provide installation,
training and consultation for
your business.
Find out more at fccsoftware.ca
Turn your wireless device into a field
and crop management tool that
revolutionizes how, where and when
you manage your farm data.
Download our FM PRO Mobile app
and enter data with your mobile
device while in the field. Then sync
with your desktop computer and
update your records from anywhere.
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Events
FCC Ag Knowledge Exchange
FCC Ag Knowledge Exchange offers
over 100 events across the country
that anyone with an interest in
agriculture can attend, free.
FCC Agribusiness
and Agri-Food Weekly
Get Canada’s latest agribusiness and
agri-food news. Check your inbox
for a free issue every week.
fcc.ca/AAFweekly
fcc.ca/AgKnowledge
AgriSuccess
FCC Forums
These free events feature motivating
speakers who will expand your
horizons and leave you inspired. FCC
Forums are held across the country
through winter and spring.
fcc.ca/Forums
AgriSuccess is Canada’s farm
management magazine, giving
producers practical information,
real-life examples and innovative
ideas – and it’s free. With more
than 70,000 subscribers, it’s the most
widely distributed ag publication in
the country.
fcc.ca/AgriSuccess
Publications and online articles
FCC Express
Multimedia
FCC Express is Canada’s most-read,
free, weekly agriculture e-newsletter.
Our team of agriculture journalists
will keep you informed on national
topics that impact your operation,
like J.P. Gervais Economic Update
and Mike Jubinville’s column on
commodity markets and marketing
strategies. Get the latest industry
news, plus market and economic
outlooks and knowledge to help
your business.
Learn from the experts – right from
home – with videos, podcasts,
webinars and more.
fcc.ca/Multimedia
fcc.ca/Express
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Stay informed
Learn something new
Get inspired
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FCC Online Services
Secure access to your loan
information and more
Get secure access to all the loan
information you need for your
books, financing and tax planning.
With Online Services you can:
• check payment principal, interest
split as well as insurance costs
• view loan details, history and
annual loan statement
• choose your loan name
• access Farmland Values database
And it’s easy to sign up. Visit fcc.ca,
select “sign up now” in the Online
Services area in the top right of the
screen and follow the instructions.
Explore fcc.ca
fcc.ca is your source for information.
Learn from industry experts and get
the information you need to grow
your business.
fcc.ca has:
• hundreds of articles, videos,
podcasts and the Ag Economist
blog
• news, weather and commodity
prices
• events and webinars with industry
experts across Canada
• FCC Express and FCC Agribusiness
and Agri-Food Weekly – our
weekly e-newsletters
• information about FCC products
and services
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Young Farmers
We’re supporting young
farmers at every stage
of their careers with
financing, learning
opportunities and more.
Start young
We partner with 4-H Canada
(and have for the last quarter
century), and with the Association
des jeunes ruraux du Québec and
the Fédération de la relève agricole
du Québec for rural youth.
FCC helps Agriculture in the
Classroom build awareness and
understanding of agriculture by
providing education resources to
teachers and students across Canada.
FCC on Campus
The life of a student can be
demanding. We’re making it a little
easier by funding ag student lounge
improvements and distributing our
FCC on Campus Ag Bag orientation
kits at ag colleges across Canada.
As well, students who use our
FCC Management Software
in their curriculum get a discount
on our accounting and field
management software.
Building for the future
We’re building success for young
farmers through financing and
sharing knowledge. Our Transition
and Young Farmer loans have
features to help young farmers
get up and running.
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Community
Investment
We give back. We also
encourage employees to
volunteer their time and
talents to many different
organizations. Why? Because
we believe that operating in
a socially responsible manner
is just the right thing to do.
Fighting hunger
With a focus on rural Canada, FCC
Drive Away Hunger helps food banks
feed people and increase awareness
of hunger. There are annual tours
across the country and one in Regina,
where our corporate office is located.
Working with community partners
and customers, we collect food and
cash on the tours and in each of our
100 offices in support of local food
banks. FCCDriveAwayHunger.ca
Funding community projects
Each year, the FCC AgriSpirit Fund
provides capital funding between
$5,000 and $25,000 to successful
community improvement projects
in rural Canada, totalling $1 million.
Examples include firefighting and
ambulance equipment, food banks
and community centres. Check out
previous projects online.
FCCAgriSpiritFund.ca
We also support projects in Regina,
home to hundreds of our employees,
through the FCC Regina Spirit Fund.
Check out projects previously funded.
FCCReginaSpiritFund.ca
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Taking agriculture to school
We’re the founding partner
of Canadian Ag Literacy Week,
presented by Agriculture in the
Classroom Canada. The week
helps elementary school students
understand the importance
of agriculture.
Promoting rural safety
Make no mistake: agriculture can
be a dangerous industry. By taking
precautions, you can protect yourself
and your family while saving time
and money. FCC works with the
Canadian Agricultural Safety
Association (CASA) to make sure
farm safety is on your mind.
And through the FCC Ag Safety
Fund, we support organizations
that provide training to keep rural
Canada safe. Get details at
casa-acsa.ca/grants.
Supporting Canada’s official
languages
The FCC Expression Fund contributes
to the vitality of communities where
both official languages thrive. Each
year, successful applicants receive
between $2,000 and $10,000 for
projects such as community centres
and daycares, theatrical productions,
galleries and concerts.
FCCExpressionFund.ca
For more information, check out
our CSR Report.
fcc.ca/CSRReport
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FCC Vision
Research Panel
Be heard
Get involved
Influence
change
Where do the best ideas
come from?
You.
FCC knows that the best ideas come
from those we serve. That’s why we
created Vision, FCC’s national research
panel. When we have a business
question, we go straight to the source
– Canadian producers, food
processors, ag students and
agribusinesses – to get the answer.
Who benefits?
Our customers and the entire
agriculture industry.
When Canada’s largest agriculture
research panel speaks, the industry
listens. Vision lets members share their
ideas and opinions about Canadian
agriculture and how FCC can best
serve this exciting, growing industry.
Join the 8,000 panel members today
at fccvision.ca.
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Agriculture More Than Ever
Most of us in agriculture see the great opportunities in front
of us and are excited and optimistic for the future. For ag
to reach its full potential, everyone in the industry needs
to be proactive and start speaking up, speaking positively
and speaking first.
There will always be challenges in ag and focusing on
the positives doesn’t have to be at the expense of addressing
concerns. We need to make sure people know that ag is
a vital and forward-thinking industry, ripe with opportunity.
We wrote the book on sustainability: we care about the
environment, animal welfare and producing safe, healthy
food for a growing world. And we have the facts to back
this up.
At FCC, we’ve always believed in the industry and the people
who make it great. That’s why we initiated Ag More Than
Ever — an industry cause made up of hundreds of partners
and agvocates from across the country, all committed to
improving perceptions, dispelling myths and creating positive
dialogue about agriculture. Ag More Than Ever provides
resources and a forum for our industry to tell the real,
positive story of Canadian ag.
All of us in ag have the power and the responsibility
to change perceptions. Ag More Than Ever is here to help
you share your optimism in effective and engaging ways.
Learn more and join the conversation at
AgMoreThanEver.ca.
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We don’t just work in agriculture,
we live it
Creating an extraordinary experience for every
customer means a lot to us. But it’s even more
important to our customers.
That’s why we employ people who have expertise
in agriculture and are passionate about this great
industry. With 100 offices across the country, our
employees are ready to help our customers with every
step of their journey.
When you spend your time building a business around
helping Canadian producers, agribusiness and agri-food
operators succeed, you create something special
and unique. You can feel it and see it in everything
we do. But more importantly, our customers can too.
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Call your nearest FCC office
1-800-387-3232
British Columbia
Abbotsford
Dawson Creek
Duncan
Kelowna
Surrey
Alberta
Barrhead
Brooks
Calgary
Camrose
Drumheller
Edmonton
Falher
Grande Prairie
High River (S)
La Crete
Leduc
Lethbridge
Lloydminster
Medicine Hat
Olds
Red Deer
Stettler (S)
Strathmore (S)
Vegreville
Vermilion
Westlock
FCC’s venture
capital business
is delivered through
Avrio Capital
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Saskatchewan
Assiniboia
Carlyle
Humboldt
Kindersley
Meadow Lake (S)
Moose Jaw
Moosomin (S)
North Battleford
Prince Albert
Regina
Rosetown
Saskatoon
Swift Current
Tisdale
Wadena (S)
Weyburn
Wynyard (S)
Yorkton
Manitoba
Arborg
Brandon
Carman
Dauphin
Killarney (S)
Morden
Neepawa
Portage la Prairie
Shoal Lake (S)
Steinbach
Stonewall (S)
Swan River
Virden
Winnipeg
Calgary
Crowfoot West
Business Centre
235-600 Crowfoot
Crescent NW
Calgary AB T3G 0B4
403-215-5492
Fax: 403-215-5495
Ontario
Casselman
Chatham
Clinton
Essex
Frankford
Guelph
Kanata
Kingston
Lindsay
Listowel
London
Mississauga
New Liskeard
Owen Sound
Simcoe
Stratford
Thornton
Vineland
Walkerton
Woodstock
Wyoming
Quebec
Alma
Blainville
Drummondville
Gatineau
Granby
Joliette
Lévis
Rivière-du-Loup
Salaberry-de-Valleyfield
Sherbrooke
St-Hyacinthe
St-Jean-sur-Richelieu
Ste-Marie
Trois-Rivières
Victoriaville
New Brunswick
Grand Falls
Moncton
Woodstock
Nova Scotia
Kentville
Truro
Prince Edward Island
Charlottetown
Newfoundland
and Labrador
Mount Pearl
Montreal
2500-1155 René
Lévesque Blvd. W.
Montreal QC H3B 2K4
514-868-9904
avriocapital.com
[email protected]
Toronto
850-36 Toronto Street
Toronto ON M5C 2C5
416-364-8122
FCC Management
Software
1800 Hamilton Street,
P.O. Box 4320
Regina SK S4P 4L3
1-800-667-7893
Government and
Industry Relations
Room 841, Sir John
Carling Building
930 Carling Avenue
Ottawa ON K1A 0C5
613-993-9897
Fax: 613-993-9919
(S) Satellite office –
limited hours
Customer Service
Centre
1-888-332-3301
[email protected]
fcc.ca
Corporate Office
1800 Hamilton Street,
P.O. Box 4320
Regina SK S4P 4L3
306-780-8100
Fax: 306-780-5167
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32455 E 20150616 JB
1-888-332-3301 fcc.ca
Cette publication est également offerte en français.
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