Requirements & How The Process Works

Loan Requirements

●  Applicant to provide the following:
          Completed application
          Current balance sheet with supporting schedules plus two (2) years previous balance sheets
          Completed copy of the last three (3) years Federal Income Tax returns


How the Process Works

  1. Complete and submit loan application by either Fax (651-481-2055) or mail it to Land O’Lakes Finance, PO Box 64408, St. Paul, MN 55164-0408
  2. Upon approval, Land O’ Lakes Finance will mail the loan documents directly to you.
  3. Sign the loan documents and return them to Land O' Lakes Finance with a copy of your executed 4-Square consulting agreement
  4. Upon delivery of the cattle to your farm or designated feedlot, Land O’Lakes Finance will request the appropriate funds to pay for the cattle
  5. As the cattle increase in weight, funds will be made available through Land O' Lakes Finance for feed bills, yardage, vet bills, etc.
  6. Loan repayment will be structured around the marketing of the cattle
  7. No penalties will be assessed for early payment

Contact Information
Land O’Lakes Finance
P.O. Box 64408
St. Paul, MN 55164-0408
Fax: 651-481-2055
Application Contact Info:
651-481-2050
Email Links:
  Ronnie Adamek (Field)
Michelle Sauder (Office)
  4 Square Contact Info:
Michelle Sauder
Financial Analyst
806-761-7202
Email: Michelle Sauder