How to Pay for Ag Chem, Seed and More Key Inputs from FBN Direct®

FBN Network

Oct 12, 2023

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When you’re ready to place an order through FBN Direct® to purchase crop protection, seed or other inputs for your ag operation, you’ll need to choose a payment option on the checkout page to complete your order. Let’s walk through the payment options available when you purchase through  

FBN Direct Payment Options

When buying from FBN Direct, you have the flexibility to pay for your purchase with:

  • ACH Bank Transfer

  • Credit card

  • Check (cash)

  • Input only financing (input loan offered by FBN® Finance)

  • FBN Finance Operating Line

*Tech screen(s) shown for illustrative purposes only. All prices, rates and promotions subject to change.

[RELATED: FBN Direct® Launches New Shopping Lists Feature]

When you choose ACH Bank Transfer, you are required to enter your banking information including routing number and account number to process your order. 

Paying with a credit card is a simple process where you’ll be required to enter your card information, including expiration date and card security code (CSC) typically found on the back of your credit card. 

Choosing to pay with check or cash will add additional order processing time and will affect when you can receive your order but is still a popular payment option for many farmers. 

Flexible Financing Options

Cash or credit cards are always straightforward payment options, but FBN Finance offers financing options for qualified farmers to provide more flexibility with cash flow management, interest rates and overall cost savings. 

Input Loans

Input loans are fixed-rate, non-revolving loans of $10,000 - $500,000, which are only applicable to FBN input purchases. When you apply for an input loan with FBN Finance, you’ll go through a straightforward application process that can be approved in one business day.* Learn more about input loans from FBN Finance here

Operating Lines of Credit

Operating lines of credit are fixed rate, revolving lines of $100,000 - $5 million. Unlike input loans, they are not limited to only purchasing inputs. An FBN Finance operating line of credit can be used for various ag operating expenses like buying inputs from FBN Direct or other vendors, paying for rent or labor or covering the cost of equipment^. Simply apply today with our digital application and you could qualify for an instant approval*. Learn more about FBN Finance operating lines of credit here. 

Cash Discount Program

Unlock additional savings of up to 6% with qualifying cash payments on seed, crop protection, adjuvant and crop nutrition purchases through FBN Direct between September 1, 2023 - January 5, 2024. To qualify, you must be an FBN member and payment must be made by ACH Transfer or credit card only. 

Cash Discount

Program Period

Qualifying Products


September 1 - November 21, 2023

Seed: F2F Genetics Network® brand corn seed

Master Farmer® corn seed

Paloma Seed™ Enlist

E3® soybeans


November 22, 2023 - January 5, 2024

Seed: F2F Genetics Network® brand corn seed

Master Farmer® corn seed

Paloma Seed™ Enlist

E3® soybeans

NOTE: A 2.7% fee will apply to any credit card purchases.

Find the Products You Need on FBN Direct

With transparent pricing and savings opportunities, 24/7 digital shopping access, fast direct-to-farm delivery and detailed label information for each product, FBN Direct has the products you need to maximize your profit potential. Click here to explore available products, pricing, and other product details.

Related Resources

© 2014 - 2023 Farmer's Business Network, Inc. All rights Reserved. The sprout logo, “Farmers Business Network”, “FBN”, "Farmers First", “FBN Direct” , "F2F", and "F2F Genetics Network" are trademarks or registered trademarks of Farmer's Business Network, Inc.

^Subject to certain limitations in the financing agreement.

FBN Direct products and services and other products distributed by FBN Direct are offered by FBN Inputs, LLC and are available only in states where FBN Inputs, LLC is licensed and where those products are registered for sale or use, if applicable. If applicable, please check with your local extension service to ensure registration status. Nothing contained on this page, including the prices listed should be construed as an offer for sale, or a sale of products. All products and prices are subject to change at any time and without notice and excludes CA mills tax and MN ACRRA fees. Terms and conditions apply.

ALWAYS READ AND FOLLOW LABEL DIRECTIONS. It is a violation of federal and state law to use any pesticide product other than in accordance with its label. The distribution, sale and use of an unregistered pesticide is a violation of federal and/or state law and is strictly prohibited. We do not guarantee the accuracy of any information provided on this page or which is provided by us in any form. It is your responsibility to confirm prior to purchase and use that a product is labeled for your specific purposes, including, but not limited to, your target crop or pest and its compatibility with other products in a tank mix and that the usage of a product is otherwise consistent with federal, state and local laws. We reserve the right to restrict sales on a geographic basis in our sole discretion. You must have a valid applicator license to use restricted use pesticides. Please consult your state department of agriculture for complete rules and regulations on the use of restricted use pesticides, as some products require specific record-keeping requirements.

All product recommendations and other information provided is for informational purposes only. It is not intended to be a substitute for consulting the product label or for specific agronomic, business,or professional advice. Where specific advice is necessary or appropriate, consult with a qualified advisor. Neither Farmer's Business Network Inc. nor any of its affiliates makes any representations or warranties, express or implied, as to the accuracy or completeness of the statements or any information contained in the material and any liability therefore is expressly disclaimed.

*Subject to final review and verification.

Qualified farmers who apply and accept (1) the terms of an Operating Line of Credit through FBN® Finance of $100,000 to $1,000,000 and payoff the balance in full by March 10, 2025 are eligible to receive a promotional interest rate of 3.99% when using the Operating Line of Credit  to finance purchases of input products made through FBN Direct® between September 1, 2023 - November 21, 2023 and a promotional interest rate of 4.99% when using the Operating Line of Credit  to finance purchases of input products made through FBN Direct® between November 22, 2023 - January 5, 2024. Qualifying input products include crop protection, adjuvant, crop nutrition, seed, animal health and livestock feed. Advances on the FBN® Finance Operating Line that are not for the purchase of input products from FBN Direct® will be charged interest at the stated (non-promotional) contract rate in the Operating Line of Credit loan agreement.**

Approved farmers who apply for and accept the terms of an FBN® Finance Operating Line and make a minimum $50,000 purchase of any input categories or $10,000 of animal health or livestock feed products only from FBN Direct® by November 21, 2023 or a $75,000 purchase of any input categories or $25,000 of animal health or livestock feed products only from FBN Direct® by January 5, 2024  will receive the benefit of automatic qualification for a promotional rate lock from FBN Direct®. The rate lock offers qualified farmers a promotional rate from 3.99% - 4.99% interest, based on the timing of qualification, on future purchases of input products only made through FBN Direct® by August 31, 2024. 

**Payments for all amounts owed under the associated FBN® Finance Operating Line of Credit are due March 1, 2025.  If the total balance for all amounts owed is not paid in full by March 10, 2025, interest charges on all purchases of input products made through FBN Direct® between September 1, 2023 - August 31, 2024, using an Operating Line of Credit through FBN® Finance will be imposed from the purchase date at the stated (non-promotional) contract rate in the Operating Line of Credit loan agreement.  

(1) Borrower will have seven (7) days from date of acceptance to sign loan notes and for loans greater than $500,000, thirty (30) days to fulfill all conditions outlined in the loan note. 

Qualified farmers must purchase within promotional period #1 (Sept 1 - Nov 21, 2023) to receive the 5.99% promotional rate or promotional period #2 (Nov 22, 2023 - Jan 5, 2024) to receive the 6.99% promotional rate. Any purchases made between January 5 - August 31,  2024 by farmers who did not qualify for the promotional rate lock will be financed at the variable standard financing rates. Farmers must complete a credit application and be approved by FBN Finance, LLC or our lending partner. Farmers must be credit qualified by FBN Finance, LLC, and all loan documents must be fully executed. Payment in full must be made by January 1, 2025; default interest rate charges apply.

FBN Finance, LLC commercial operating lines of credit are offered by FBN Finance, LLC and its financing partners, and are available only where FBN Finance, LLC is licensed. Terms and conditions apply. All credit is subject to approval and underwriting. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify.

FBN Network

Oct 12, 2023

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