Operating Loans

Finance the day-to-day needs of your operation and take advantage of new opportunities with an AgStar operating loan. Our farm operating loans give you access to cash when you need it and offer the added benefit of tax-deductible interest.

Operating loans offer flexible financing options and multi-year terms; they are ideal for purchasing seed, chemicals, fertilizer, utilities, repairs, wages, or supplies. Farm operating loans are not typically used for longer term assets such as land, breeding stock, equipment or new facilities.

In addition, we offer inventory loans in conjunction with operating loans, giving you the power to plan your sale of inventory on hand around optimal market conditions.

Operating Loan Products

  • Revolving Lines of Credit
    A revolving line of credit lasts one or multiple years and lets you borrow money from your operating loan account repeatedly as you pay back the balance that you owe. Use online banking, drafts or Automated Clearing House (ACH) transfer to access your operating loan funds. 

  • Non-revolving Lines of Credit
    A non-revolving line of credit is a one-time-use loan that provides a set limit of funds to borrow as you need them. The line of credit typically lasts for one year, and is a one-time-use loan that lets you use ACH transfers to access funds.

Find out more about Operating Loans. Contact Us or call 1-866-577-1831.

Supporting Services for your Operating Loan
Get easy, convenient access to your operating loan funds with AgStar Cash Management services.

Farm Cash Management Account