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Home>Financial Solutions>Farm Operating Loans
Stay in Control of Your Cash Flow with a Farm Operating Loan
Finance your inputs with terms that match your revenue cycles. Our farm operating loans provide flexible working capital for farms to cover seed, fuel, and payroll whenever you need it.
Apply in Minutes. Get Prequalified Instantly.
Why Our Operating Loans Work
We Offer Flexible Farm Operating Loans to Help You Stay on Track Throughout Every Season
Our operating loans for farms are specifically built to meet the needs of ag financing customers across America. With simple renewals and fast draw access, you can use your operating loan for farming to cover input costs, labor, equipment repairs, feed, and more.
Borrow What You Need
Loan limits are based on 75% of verified gross farm income (GFI).
Flexible Security Options
Springing lien or 1st blanket lien based on approval and score.
Quick Pre-Approval
Apply online in ten minutes and receive instant pre-approval.
Keep Your Local Bank
Secure a farm credit operating loan and still maintain your deposit accounts and banking relationships
What Matters Most
Use the Funds for Anything Your Farm Needs
Our farm operating loans are made to meet the needs of American farmers. Whether you are preparing for the season, handling unexpected expenses, or smoothing out your cash flow. Your farm operating loan works where you need it most.
Operational Expenses
Fuel, utilities, maintenance, payroll, and day-to-day overhead.
Crop Inputs
Seed, fertilizer & chemicals all upfront costs are covered quickly.
Repairs & Equipment Costs
Fast drawdowns for equipment breakdowns and seasonal tune-ups.
Livestock & Feed
Access working capital for farms for livestock, feed purchases, or health services.
Apply in Minutes. Get Prequalified Instantly.
HOW IT WORKS
How Our Farm Operating Loan Works
We have a simplified process that lets you stay focused on the farming, not the paperwork.
Check Eligibility
Confirm you’re a U.S. producer with verifiable gross farm income (GFI).
Set Your Credit Limit
Up to 75% of GFI, verified via Schedule F, Tax Returns, or IRS transcripts.
Draw as You Need It
Monthly or seasonal draws, interest is applied only to what you use.
Requalify Annually
Simple annual update with minimal paperwork. Perfect for seasonal farm loans that reset post-harvest.
Testimonials
Our Operating Loans Help Farmers and Ranchers Stay Strong All Season
We strive to empower farmers and ranchers with the tools and resources they need to adapt to a changing world, while preserving the rich heritage of family-owned farms.
“Cash flow’s always tricky between planting and harvest. This gave us the flexibility to keep moving.”
Amanda
Row Crop Farmer, Kansas
“Our sprayer broke down during peak season. With National Ag Finance, we drew the funds, fixed it fast, and stayed on track.”
Julio
Organic Grower, California
“Farming doesn’t stop when the market shifts. This loan gave us breathing room when prices dropped.”
Raymond
Multi-Gen Cattle Rancher, Oklahoma
Need Clarity Before You Apply?
Answers to Your Farm Operating Loan Questions
Areas We Serve
We work with Farms in Every Corner of the U.S.
Our farm loans are available nationwide, from diverse California operations to Carolina row crops. States we serve:
Call Us Today
Have questions or need immediate assistance? Our team is here to help you with prompt and friendly support.
Contact Us
Need to get in touch? Fill out our contact form and we will get back to you same day.