Two people riding horses through a grassy field with cattle in the background under a partly cloudy sky.

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

  • A vast green farm with neatly planted crops and a distant tree line under a blue sky with contrails.

    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.

  • A cowboy on horseback herding cattle across a grassy field with mountains in the background and two additional cowboys on horseback in the distance.

    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.

  • A person driving a red utility vehicle through an orchard with rows of apple trees bearing red apples on the left and a grassy path on the right, with signboards and trees in the background.

    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.

  • Holstein cows standing in a row along a feeding barrier on a farm under a blue sky.

    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.

Click Here to Get Started

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.

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.