How Farmers Can Benefit from FBN® Finance’s Referral Program

Kathy Bogardus

May 10, 2023

Farmers are constantly looking for ways to maximize their profits, increase their yields, and improve their overall farm management practices. FBN® Finance offers a number of tailored financing options to help you achieve those goals.

Our new referral program gives you even more reason to choose financing from FBN Finance. We want to reward you for sharing the word and letting us help other producers. It’s a win-win for you and your friend!*

How It Works

When you spread the word and refer a friend to FBN Financing, you both may qualify for a $250 Amazon gift card.* 


Tell your friends about our great rates, the simple and straightforward application process we offer, instant decisions on land loans and operating lines and our farmer-first mentality.


When your friend applies and closes on their loan, you’ll both be rewarded with Amazon gift cards worth $250*. 


There are no limits on many referral rewards you could potentially earn*. The more you spread the word, the more rewards you could earn.

Who’s Eligible?

To qualify, you must be a FBN member and refer your friend by completing the form on our Referral Program page. Your friend must then complete and close a loan with FBN for $250,000 or more. 

[Not an FBN member yet? Click here to create a free FBN account]

Have You Heard About Our Instant Approvals**?

Instant approvals can be a game-changer for farmers, providing qualified farmers with a quick, convenient and accessible financing option. You’ll likely not only save time, effort and money, but you’ll be able to focus on your operation to maximize profitability. 

Land Loans

Click to learn more about the land loan application process, complete the brief form below, or call 866-619-3080 to get started.

Operating Lines

Learn more about farm operating lines of credit from FBN Finance, complete the brief form below, or call 866-619-3080 to get started.

© 2014 - 2023 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, and “FBN” are trademarks, registered trademarks or service marks of Farmer's Business Network, Inc. 

*Subject to program’s Terms and Conditions; please see below. 

**Approval is conditional. Approval, loan closing, and funding are subject to the product’s terms and conditions, and underwriting. Length of time necessary to complete the financing process, if qualified, will vary and depend on one's individual circumstances. There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment term, the amount financed, and other factors.

Terms and Conditions

Financing offered by FBN Finance, LLC and its lending partners. Terms and conditions apply. To qualify, a borrower must be a member of Farmer's Business Network, Inc. and meet all underwriting requirements. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify.

Referrals made by a referrer must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues, and family members. By submitting any names, email addresses, and/or contact information as part of the program, you represent that you have the appropriate permission and consent. Bulk email distribution, distribution to strangers, or any other use of the services described herein in a manner that is not promoted is expressly prohibited and may be grounds for immediate termination and further legal action.

For each successful referral, the referrer and referred will be sent a gift card worth $250.00 redeemable on, unless otherwise determined by FBN in its sole discretion. Restrictions apply, see Gift cards will be digital and sent to email addresses provided by both parties. It is incumbent upon the parties to provide FBN with a valid email address. FBN is not responsible for issues relating to delivery and receipt of the gift cards due to failure to provide FBN with the proper email address. 

A successful referral will only be counted once the loan is closed by the referred party. Gift cards will be issued on a monthly basis, so please allow for approximately one (1) month from loan closure to receipt of the gift card. Rewards are subject to verification. FBN may delay a reward for the purposes of investigation. FBN may also refuse to verify and process any transaction FBN deems, in its sole discretion, to be fraudulent, suspicious, in violation of these Terms and Conditions, or believes will impose potential liability on FBN, its subsidiaries, affiliates, or any of its respective officers, directors, employees, representatives, and agents. FBN’s decisions are final and binding, including decisions as to whether a referral or reward is verified.

To qualify as a participant of this program, both the referrer and referee must be a natural person, a legal resident of the United States, and at least 18 years old. Referred parties which are previous or current customers or prospects of FBN Finance, LLC may not qualify for the referral reward. Referred loan’s final amount must be for a minimum of $250,000 in order to qualify for the referral reward. Employees, and immediate family and household members of employees, of Farmer’s Business Network, Inc. and any affiliates/subsidiaries are not eligible for this program. 

FBN can cancel the referral program at any time at its sole discretion. Further, FBN can change details of the program at any time without prior notice, including but not limited to the value or vendor of the gift card or reward. Details of the referral rewards and additional terms will be available on this page or accompanying promotional materials.

Depending on your personal situation and circumstances, the referrer and referred participants in the referral program may owe tax on any referral reward earned. Referrer and referred parties should consult with a personal tax advisor for more information regarding any potential tax liabilities. Referrer and referred parties are responsible for independently assessing and complying with all relevant tax and legal requirements. FBN does not and will not provide any tax or legal advice. FBN may require the referrer and referred participants to provide FBN with a completed IRS form W-9 and FBN may thereafter issue a Form 1099 for that calendar year. FBN may utilize a third-party service provider to perform this function. If FBN requires a completed form W-9 from a referrer or referred participant and the party fails to provide one, FBN reserves the right to void any rewards.

Kathy Bogardus

May 10, 2023

Start your loan process now

Fill out the form below to contact an advisor or call us directly.