Operating Loans

Access to Your Funds When You Need It Most

Running a farm takes steady cash flow; especially when expenses arise before your crops or livestock generate income. River Valley AgCredit offers flexible revolving lines of credit designed specifically for farm owners and operators.

With repayment schedules that match your income cycle, an operating loan can help you manage your year more efficiently through:

  • Cash-flow flexibility
  • Cash discounts for crop input pre-pays
  • Locked in pricing opportunities by holding grain or livestock for future delivery
  • Potential tax advantages
     

Flexible Terms

Designed for Your Farm

  • 1 year or 3 year terms
  • Variable rate tied to the Prime index

Easy Ways to Access Your Funds

We make it simple to use your operating line of credit whether you’re in the field, at home, or on the road.

AgriLine: Access your operating line 24/7 using personalized checks that allow you to “write yourself a loan” anytime.

FastCash: A quick, secure way to move money into your checking or savings account; whether you're in the tractor or standing in the field.

  • Transactions made before 1:30 p.m. ET arrive in your bank account the next business day
  • Requests made after 1:30 p.m. ET process the following business day
  • Timing may vary based on your bank’s posting schedule
     

Prefer to speak with someone?

Your local River Valley AgCredit office can move funds into your account with a quick phone call.

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