3 Myths About Buying Ag Chemicals in the Winter

We’ve identified plenty of reasons to buy ag chemicals now, but you may still feel a bit unsure about making most input decisions prior to spring. You’ve completed another long and challenging crop year and have entered the busyness of the holiday season, so it’s no surprise you’re feeling this way. 

But you might be missing out on significant savings and the chance to start building your management strategy before the new year begins.

Three myths about buying inputs now—and why you should ignore them

Let’s take a moment to unpack three myths we’ve heard and how you can take advantage of buying inputs online before the year’s end to maximize your profit potential next year.

1. It’s better to wait until next season to evaluate your needs

You’ll need to respond to some unexpected pest pressure in-season, for sure, but you also probably know which ag chemicals will definitely be part of your strategy. Rather than putting off buying those inputs, you can lock in year-end pricing now and position yourself to manage insects, weeds and disease heading into the next crop year.

2. You need cash flow before buying inputs

Particularly on the heels of a challenging crop season and delayed harvest activities in many regions, you may be facing a capital shortfall right now. But that doesn’t mean you can’t buy inputs before the end of the year.

We offer competitive rates for input purchases through FBN Direct®. Once approved for financing, you can take advantage of year-end pricing on ag chemicals to support your bottom line. It’s not too late to take advantage of 0% interest* on flexible input financing and operating lines with qualifying purchases to buy FBN inputs interest-free all season long.  

3. It’s too hard to store chemicals over the winter months

With a little bit of research, you can determine which chemistries require temperature control and learn about other storage precautions. 

Plus, with FBN Direct you can make your input purchases now and schedule delivery on your terms.

Buy your inputs now with FBN Direct

Don’t wait until spring to take care of your input needs for next season.

You can buy seed, crop protection, fertilizers, adjuvants and biostimulants online through FBN Direct now and start getting ready for the next crop year.

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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. 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/provincial 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.  

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.

Terms and conditions apply. Land financing offered by FBN Finance, LLC, provided in connection with Farmer Mac and our underwriting partners, and is available only where FBN Finance, LLC is licensed. To qualify, a borrower must be a member of Farmer’s Business Network, Inc., and meet the underwriting requirements of FBN Finance, LLC and its lending partners. All credit is subject to approval and underwriting. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify.

*Qualified farmers who are approved and close an Operating Line of Credit through FBN® Finance of $250,000 to $1,000,000 between September 1, 2022 - December 9, 2022, make a minimum purchase of $45,000 from FBN Direct® and payoff the balance in full by March 31, 2024 are eligible to receive a promotional interest rate of 0% when using the Operating Line of Credit  to finance purchases of input products made through FBN Direct® between September 1, 2022 - August 31, 2023. 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 close a FBN® Finance Operating Line and make a minimum $45,000 purchase from FBN Direct® by December 9, 2022 will receive the benefit of automatic qualification for the 0% Club from FBN Direct®. The 0% Club offers qualified farmers a promotional rate of 0% interest on purchases of input products only made through FBN Direct® between January 21 - August 31, 2023. Qualifying input products include crop protection, adjuvant, crop nutrition, seed, animal health and livestock feed. 

*Payments for all amounts owed under the associated FBN® Finance Operating Line of Credit are due March 1, 2024.  If the total balance for all amounts owed is not paid in full by March 31, 2024, interest charges on all purchases of input products made through FBN Direct® between September 1, 2022 - August 31, 2023, 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.  

FBN Finance, LLC commercial operating lines of credit are offered by FBN Finance, LLC and are available only where FBN Finance, LLC is licensed. Input financing provided in connection with our financing partners. To qualify for a financing offer, a borrower must be a member of Farmer’s Business Network, Inc. and meet the underwriting requirements of FBN Finance, LLC and its lending partners. 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 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. Terms and conditions apply.