Fund Your Operation

Operating Loans & Lines of Credit

Our operating loans and lines of credit can help you manage the day-to-day expenses so your business can focus on the future. An operating loan or revolving line of credit can provide much-needed liquidity. Whether it’s used for repairs, feed or seed, more cash on hand can help keep your operation running smoothly.

A group of hens and a rooster in a field of grass

PURCHASE LIVESTOCK, FEED AND SEED

There are some essentials that agricultural producers can’t operate without. A farm operating loan or line of credit can keep your purchasing power strong, even when cash flow is limited.

  • Livestock, including poultry
  • Feed and seed
  • Fertilizer, pesticides and other inputs
  • General operating expenses
  • Market livestock and poultry

Cattle in lush green field with sun rays

EXPAND YOUR OPERATION

Whether you are starting your next project or maintaining current facilities, an operating loan can help your operation succeed. From developing a vineyard or irrigation project to consolidating your farm debt to increase cash flow, we have lending options available to meet your needs.

  • Facility repair and improvement
  • Land and water development
  • Vineyard and orchard development
  • Project costs
  • Debt refinancing
  • Breeding livestock

Tractor wheels in the snow

Buy or Lease Farm Equipment

Keeping up your equipment can make all the difference in agriculture. Use a competitively priced term loan or lease to purchase equipment and help maintain your profitability. Our loans and leases can be used for a wide range of equipment and vehicles, from combines and tractors to plows, planters and sprayers.

 

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Financing Built for Ag

Whether it’s development, construction or continued access to operating funds, we know that your agribusiness has specific day-to-day needs. More than a lender, we are a borrower-owned association and proud member of the Farm Credit System, a national organization that serves the financial needs of agriculture and rural America. We offer financing that is flexible and tailored to the specialized needs of farmers, ranchers and agribusinesses. Our operating loan options include:

  • Credit to meet cash flow demands based on your operating schedule
  • Long, intermediate or short-term loan options
  • Leasing options
  • AgDirect Equipment financing
  • Fixed and variable rate products with rate lock options
  • Patronage program that pays borrowers a cash distribution*
    *Paid annually contingent on Board of Directors approval

 

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