Farm Operating Lines from FBN® Finance

Apply online to get your approval decision instantly. Fixed rate lines start at 4.22%.

Approved in Minutes, Not Weeks

FBN Finance offers farmers operating lines of up to $5 million with great terms, zero application fees and a process that's wrapped up in minutes.


Farms Funded


Loan Volume


Member Farmers

Instant Approval

Cut The Back & Forth

Our new digital application means there's no need to drive to the bank to get the funds you need to grow your operation. Loans under $1 million will now receive an approval decision and rate instantly.

Great Rates

Save thousands thanks to low overhead and a nationwide network.

Simple Process

Apply online in minutes with our straightforward application and upload tool.

Exceptional Service

Get sound guidance from loan advisors who average 15 years of ag finance experience.


You Need It. We Got It.

Use your operating line to shop for inputs online from FBN Direct®. Enjoy the convenience of crop protection, seed, animal health and feed delivered direct to your farm.

Operating Lines - FBN Direct warehouse

Ready To Get Started?

Apply now or fill out the form below and an advisor will contact you.


Most borrowers who are approved have a 680 or above credit score, although there may be exceptions where a lower score could be approved. We also factor in repayment history, the size of your loan relative to your income and operations, and the general financial health of your operation. 

Advances are made through an ACH or wire request in which funds will be electronically transferred.

The operating line can be used for any agricultural-related operating expense, including inputs, rent, labor, and short-term equipment, subject to certain limitations set forth in the operating line agreement.