Draw When You Plant. Repay When You Harvest.
Agricultural operating lines of credit built around your production cycle — not a bank's arbitrary monthly payment schedule.
$500K – $2M
Line Amount
Revolving
Structure
Aligned to Season
Draw Period
Harvest-Timed
Repayment
Overview
The Cash Flow Bridge for Every Season
Every farm operation faces the same fundamental challenge: input costs arrive months before revenue does. Seeds, fertilizer, fuel, labor, crop insurance premiums, and equipment costs all hit before a single bushel is sold. An agricultural operating line of credit bridges that gap — giving you the capital to execute your operation and the flexibility to repay on your terms.
Unlike traditional business lines of credit that expect monthly payments regardless of income timing, our ag operating lines are structured around your production cycle. Draw down in spring, carry through the season, and repay at harvest or commodity sale. It's how farm finance is supposed to work.
Who This Is For
Key Features
What Makes This Program Work
Revolving Structure
Draw and repay repeatedly throughout the line's term. Funds become available again as you repay — no re-application required.
Harvest-Timed Repayment
Repayment schedules are aligned to your crop calendar — not a standard monthly schedule that ignores when you actually get paid.
Interest Only During Draw
Pay only interest on the amount drawn during the growing season. Full principal repayment at harvest or commodity sale.
Covers All Input Costs
Seeds, fertilizer, fuel, crop insurance premiums, hired labor, custom farming costs, and equipment rental — all eligible uses.
Commodity Price Flexibility
If commodity markets shift post-harvest, we can work with you on repayment timing — we're a relationship lender, not a servicer.
Cross-Collateralized Options
Lines can be cross-collateralized with real estate or equipment equity, enabling higher line amounts with favorable terms.
The Process
How It Works
Operating Review
We review your last 2 years of Schedule F returns and current crop plan to establish your input cost budget and appropriate line amount.
Collateral Assessment
We identify the optimal collateral structure — farm real estate, equipment, or a combination — to support the line amount you need.
Line Structuring
We build a line structure with a draw period, repayment window, and annual review terms aligned to your crop calendar and marketing plan.
Approval & Funding
Once approved, the line is established and available to draw as needed. Draw via check, wire, or electronic transfer — your choice.
Annual Renewal
Lines are reviewed annually. Submit updated financials before your draw period begins each season for seamless renewal and continued access.
Requirements
General Qualifications
Get in Touch
Ready to chat with one of our Ag specialists?
Schedule a consultation by calling us directly or completing the contact form — we'll get back to you within one business day to review your operation, walk through your options, and identify every program you qualify for. No cost, no obligation.
Call Us
503-966-9255
Mon – Fri, 8 am – 6 pm PT
Licensed in Oregon & California · NMLS #1498678 · Agricultural Lending Division
Send Us a Message
We'll get back to you within one business day
Related Programs
Farm Purchase Loans
Pair your operating line with a long-term farm real estate loan for a complete agricultural financing package.
Agribusiness & Processing Loans
Larger commercial operations may benefit from our agribusiness credit facilities alongside real estate financing.
Agricultural Loan Calculator
Project payment scenarios on operating-line draws and combined real estate financing across rate environments.
FAQ
Common Questions
From the Blog
Further Reading
AgriculturalAg Equity Lines of Credit: Unlocking Farm and Ranch Equity Without Selling an Acre
An Agricultural Equity Line of Credit gives farmers and ranchers revolving access to up to $10 million in land equity — with no annual maintenance fee, no minimum usage requirement, and interest-only semi-annual payments during a 5 or 10 year draw period. Here's how it works and what you can do with it.
AgriculturalAgricultural Loans: Financing Farm & Ranch Property in Oregon
Financing agricultural land is fundamentally different from a standard home purchase. Here's what Oregon farmers, ranchers, and rural property buyers need to know.
What Our Clients Say
Five-Star Reviews from Real Borrowers
All reviews verified on Google
Your Land. Your Terms.
Let's Build the Right Loan.
Our ag loan specialists will review your scenario, walk you through every option, and structure financing around how your operation actually works — with full transparency from first call to close.