If you farm or ranch, you know there’s no “off season” when it comes to expenses. Feed still needs to be purchased, inputs still need to be ordered, and bills still come due—whether income is coming in or not. That’s where a reliable operating line of credit can make a real difference.
At Premier Farm Credit, we work with producers every day who need flexible, dependable financing to keep their operations running smoothly. Our farm and ranch operating loans are designed around how agriculture actually works—with payment scheduling aligned to when you get paid.
Cover Everyday Expenses with Confidence
An operating line of credit from Premier Farm Credit can be used to cover many of the essential costs of running your operation, including:
- Feed and livestock care
- Seed and fertilizer
- Labor and rent
- Fuel, taxes, and insurance
- Day-to-day living expenses
Instead of juggling bills or timing expenses around cash flow, an operating loan gives you the freedom to focus on what matters most—your operation.
Financing That Fits Your Operation (Not the Other Way Around)
No two farms or ranches are exactly alike, which is why flexibility matters. Premier Farm Credit offers multiple options so your operating loan works for you:
- Variable, prime-based, and fixed interest rate options
- Revolving lines of credit and Maximum Outstanding Balance (MOB) loans
- Interest charged only on the funds you actually use
Your payment schedule is tailored to your cash flow, whether income comes after harvest, at market time, or throughout the year. And if you’re able to pay things down early? You can repay anytime with no prepayment penalty.
Easy Access to Funds, When You Need Them
When opportunities or challenges pop up, quick access to funds matters. With Premier Farm Credit, you can access your operating line of credit through:
- Online banking transactions
- Drafts
- Phone requests
- In-person service with your local lending team in our Yuma, Sterling, Fort Morgan, or Holyoke locations
We also offer remote deposit through Online Banking, making it easier to manage your finances without extra trips to town.
More Than a Loan—Member Benefits That Add Value
Premier Farm Credit is a cooperative, which means borrowers are also members. That comes with added benefits you won’t find at traditional lenders.
Eligible operating loans may receive:
- Annual Cash Patronage Dividends, returning a portion of earnings back to members
- An interest-earning Trust Fund feature, helping your cash work harder for you
Over time, those benefits can add up and help strengthen your operation’s financial position.
A Lender Who Understands Agriculture
An operating line of credit isn’t just about covering expenses—it’s about having the right lending team by your side. Premier Farm Credit understands ag cycles, market swings, and the realities producers face every day.
From flexible loan structures to local decision-making, we’re here to help you manage cash flow with confidence and plan for what’s next.
If you’re looking for an operating line of credit designed specifically for farms and ranches, contact Premier Farm Credit today and start the conversation.
