"One of our biggest challenges today as a smaller community bank is to create opportunities for new farmers because of our lending limits and the intense capital required to get them started. We've turned to UBB to help us meet that challenge and maintain a presence in this important market."
Dick Behl

President, Farmers and Merchants State Bank, Scotland, South Dakota  

Home > Lending > Participations


Extend Services, Diversify Loans
With UBB Participations

We buy: Extend the limits of your service

Your commercial customers trust you to deliver. When their credit needs surpass your lending limits, we're here to help with participation purchases. Our lending department is an extension of your lending department - and a backroom extension at that. We never compete to be your customer's contact. We simply serve you in strengthening the relationships you've worked so hard to develop.

We sell: Diversify your loan portfolio

Mitigate concentrations in your loan portfolio with a mix of credits. With our reputation for quality, you know you'll have the documentation you need to evaluate available credits and make prudent and profitable purchases.

Fast turnaround, flexible pricing

We have the experience and authority to evaluate prospective participations from the moment you call, and to structure deals of all descriptions, including large and complex credits. That means faster turnaround and participations that are priced to work for everyone.

Typical loan types include:

  • C&I
  • Commercial real estate
  • Agriculture