With credit lines, you don’t have to borrow the money until you actually need it. No excess interest charges, no extra fees for multiple disbursements. Credit lines carry the burden of expenses when the cash income from farming or off-farm income is not sufficient. Ag Credit specialists know that crops and livestock don’t generate cash when they are growing.

Credit lines are used to bridge the gap between growing and selling seasons. The need for loan funds varies with the production cycle. Seed and fertilizer expenses first, then months later, harvest labor. Payments can be set up to be due when the cash from sale of farm products occurs. Don’t borrow until you need it, pay it back as soon as you have it. Sound advice from the experts at Ag Credit. All of our loan products, including Credit lines are important financial tools for Ag Credit borrowers.