Operating & Production Loans

Loans For Your Farming Operation

Operating loans assist with your farming operation expenses, each tailored to your individual needs. Operating loans allow advantages such as early pay discounts, manageable tax obligations and assistance with your cash flow needs. Access your loan by phone, mail, online or at any Banterra location. We have the expertise to help analyze the financial aspects of your operation to ensure its viability into the future. Contact your local Banterra ag lending expert today to learn more about our Operating and Production Loans. Together, we’ll build a financing plan that supports your success—today and into the future.

What Is an Operating Loan?

An operating loan provides short-term financing to help cover the essential costs of running your farm. These loans are ideal for managing seasonal expenses such as:

Seed, fertilizer, and chemical purchases
Livestock feed and veterinary care
Equipment repairs and fuel
Labor and payroll
Rent and land lease payments

With flexible terms and competitive rates, Banterra’s operating loans give you the financial agility to make timely decisions and keep your operation running smoothly.

Why Choose Banterra for Your Ag Loan?

We’re more than just a lender—we’re your partner in agriculture. Our experienced ag lending team works closely with you to understand your operation and tailor a loan that fits your goals. With Banterra, you’ll benefit from:

Customized Loan Structures – Designed around your cash flow and production cycles
Cash Flow Management – Smooth out seasonal income fluctuations and maintain financial stability

Our ag lending specialists bring deep industry knowledge and financial expertise to every conversation. We’ll help you analyze the financial health of your operation, identify opportunities for growth, and ensure your farm remains viable for generations to come.

Easy Access to Your Funds

We make it simple to access your loan funds when and where you need them. Choose from multiple convenient options:

Online Banking – Secure, 24/7 access to your loan account
Phone or Mail Requests – Quick and easy disbursement options
In-Person Service – Visit any Banterra location for personalized support

Operating Loan FAQs

What is an operating loan?

An operating loan is a short-term financing option designed to help cover the everyday expenses of running a farming operation. These loans provide working capital to manage costs throughout the production cycle.

What expenses can an operating loan be used for?

Operating loans can be used for a wide range of seasonal and operational expenses, including seed, fertilizer, chemicals, livestock feed, veterinary care, fuel, equipment repairs, labor, payroll, rent, and land lease payments.

How do operating loans help manage cash flow?

Operating loans help smooth cash flow by covering expenses during periods when income is seasonal or delayed. This financial flexibility allows you to take advantage of early pay discounts, manage tax obligations, and keep your operation running efficiently.

How can I access funds from my operating loan?

Banterra makes accessing your loan funds convenient. You can request funds online, by phone, through the mail, or by visiting any Banterra location for in-person assistance.

Why choose Banterra for operating and production loans?

Banterra is more than a lender—we’re a partner for farmers and ag providers. Our ag lending experts work closely with you to understand your operation, design loan structures around your production cycles, and support your long-term financial success.

Does Banterra help analyze my farm’s financial health?

Yes. Banterra’s ag lending specialists help analyze the financial aspects of your operation to assess viability, identify opportunities, and build a financing plan that supports both current needs and long-term sustainability.

How do I get started with an operating or production loan?

To get started, contact your local Banterra ag lending expert. We’ll walk through your operation’s needs and work with you to develop a customized financing plan that supports your success today and into the future.

Digital Banking

Machine Tool

Business Loans