Approved in Minutes, Not Weeks
600+
Farms Funded
$150M+
Loan Volume
43,000+
Member Farmers
Financing on Your Time
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
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FAQs
Who is eligible?
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.
Do you offer revolving lines of credit?
Yes — all of our operating lines are revolving.
Do you offer fixed rate operating lines?
We offer fixed rates for amounts of $1 million or less, and variable rates for amounts greater than $1 million.
How do I obtain an advance?
Advances are made through an ACH or wire request in which funds will be electronically transferred.
How long will it take to receive my funds upon request?
Funds can be transferred into your account in as little as two business days after they’ve been requested.
Will FBN’s name be on my checks?
FBN’s name is not on grain or crop insurance checks.
What is used for collateral?
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.
What can the operating line be used for?
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.
Is there a minimum and maximum loan amount?
Our loan amounts range from $100,000 to $5,000,000.
When does the line of credit mature?
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.