Farm Operating Loans from FBN® Finance

Apply online to get your approval decision instantly. Rates start at 7.10%.

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 Loan Approval

Financing on Your Time

Our digital application means there's no need to drive to the bank to get the funds you need to grow your operation. Spend less time on the phone and more time in the field doing what you do best. Loans under $1 million will now receive an approval decision and rate instantly.
Mobile phone showing Operating Line Financing by FBN Financing

Great Rates

Feel confident that you are getting a great rate. We are able to save customers thousands due to our low overhead and nationwide network.

Instant Decision

We know your time is important. Apply in minutes through our simple and secure online application. For loans under $1M, you’ll receive a decision instantly.

Exceptional Service

We are dedicated to helping family farmers. Our loan advisors average over 15 years of Ag finance experience and look forward to sharing their guidance with you.

Operating Line Uses

This line of credit can be used on any agricultural related operating expenses including:

1. Purchasing inputs from FBN or other suppliers

2. Rent

3. Labor

4. Equipment and repairs

Farmer carrying box of Willowood Sulfen Met


Pay for Inputs with an Operating Line from FBN® Finance

Customers can get an instant decision and seamlessly use funds to purchase FBN Direct® inputs.

Operating Lines - FBN Direct warehouse

Ready To Get Started?

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


Our Latest FBN Financial Insights

Click on a tile to visit our Finance blog.

Fixed Rate vs. Variable Rates: Which is Better?

Understanding the difference between fixed and variable rates will help farmers in the market for farm land loans.

Webinar: Inflation, Interest Rates & What to Focus On

Learn more about inflation, interest rates and what farmers need to focus on in this webinar from FBN Finance.
How to Buy Land as a Beginning Farmer

How to Buy Land as a Beginning Farmer

Learn the pros and cons of FSA loans, seller financing, commercial loans and Farmland Capital.

The Impact of Rising Inflation & Interest Rates

TJ Wilson and Kevin McNew, FBN’s Chief Economist discuss rising inflation and interest rates and the impact they will have on agriculture in 2022.

Regenerative Practices Rebate Program

Introducing a rebate program on your approved operating line of credit if your regenerative practices meet program requirements.

FBN® Finance Launches Farmland Capital

Learn how Farmland Capital by FBN Finance can help farmers access cash with no interest or rent payments.
Image of Pepo Peschiera from FBN Finance talking about Farmland Capital.

Video: A Conversation About Farmland Capital

Learn more about Farmland Capital from FBN Finance in this insightful video with Pepo Peschiera.

Webinar: Refinancing Your Land Loan

In this webinar, learn more about the potential savings you can realize by refinancing your ag land loan.


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. 

Yes — all of our operating lines are revolving.

We offer fixed rates for amounts of $1 million or less, and variable rates for amounts greater than $1 million.

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

Funds can be transferred into your account in as little as two business days after they’ve been requested.

FBN’s name is not on grain or crop insurance checks.

Depending on what the farmer is approved for, the operating lines are secured by crops, crop proceeds, and crop insurance, or a blanket lien on all farm assets.

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.

Our loan amounts range from $100,000 to $5,000,000.

The maturity date is February 1, 2023 or March 1, 2023 depending on the program. If you typically store your grain to market later in the year, we can work with you next winter to extend the line past this date.