Farm Operating Loans from FBN® Finance

Apply online to get your approval decision instantly. Rates start at 7.00%.

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.

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 who apply and close an operating line by December 9, 2022 are eligible for 0% interest on FBN Direct® input purchases all season long.

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.