Operating Line of Credit for Farmers & Ranchers
Seasonal Expenses Don’t Wait for Harvest
We’ll help you secure an Operating Line of Credit that gives you access to working capital for seed, fertilizer, fuel, and labor — when you need it.
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Up to 100% operating needs covered
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Freedom to Run Your Operation Your Way
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Terms up to 24 months
Loan Program Details
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1. Underwritten on what you grow, not what you own
Qualification is based on your proven ability to produce — yield history, crop insurance coverage, and your marketing plan.
Your land ownership doesn't cap your borrowing capacity.
Balance sheet strength isn't the gate it is at a conventional bank.
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2. Your full operating need, not a fraction of it
Traditional lenders fund a percentage of leasing costs because you don't own the acres — this doesn't work that way.
Rented ground doesn't count against you.
Room to expand without outgrowing the line.
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3. Funded earlier in the planning cycle
Capital in place before the season, not partway into it.
Buy inputs as a cash buyer and capture early-order and prepay discounts.
More negotiating room with retailers, and time to make decisions on your schedule.
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4. Without pledging everything you own
You're not tying up every asset on the place to access working capital.
Ground you're not willing to sign away can stay out of it.
A structure built around the operation rather than around collateral.
Our Process
Tell Us About Your Operation
First we'll want to learn about your farm, ranch, goals, financial situation and what type of financing you are looking for.
Complete Your Application
We'll review your financials to make sure your application accurately represents your operation and is ready to be presented to lenders.
We Compare Lending Options
Once your application is ready, we'll present it to our network of trusted agricultural lenders and compare loan options to find the best fit for your operation.
It’s Time to Close Your Loan
After you've been approved for the loan, we'll guide you through the closing process and be available to answer questions every step of the way.
Farm Operating Line of Credit FAQs
A revolving line you draw on during the season to cover inputs like seed, fertilizer, fuel, feed and labor, then pay down when the crop or livestock sells. You only pay interest on what you've drawn.
What is a farm operating line of credit?
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An operating line is short-term and is meant to clean up (get paid to zero or close to it) each year. A land-backed line is secured by real estate you own, usually runs longer, and fits bigger or less predictable needs.
How is an operating line different from a land-backed line of credit?
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Usually three years of tax returns, a current balance sheet, a debt schedule, and a cash flow projection for the coming year showing what you'll draw and when you'll pay it back.
What do I need to apply?
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What if my operating line never gets paid down?
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That usually means long-term debt is sitting in a short-term loan. Moving that carryover into a real estate loan or a land-backed line can free up the operating line and lower the pressure at renewal.
Ready to Take the Next Step?
Complete a simple application and work with an advisor to structure a line that fits your season.
Send it over and let's start the conversation.