Operating (Production) Loans
At Capital Farm Credit, our operating loans—also known as production loans or lines of credit—are built around the unique needs of Texas farmers and ranchers. Whether you’re planting or harvesting, breeding or calving, these flexible financing solutions are designed to support every stage of your operation. With dependable capital to manage seasonal cash flow and the freedom to borrow when you need it, our operating loans put you in control—so you can grow, adapt, and thrive, no matter what the season or market brings.
Use Operating Loans For
Funding seasonal or cyclical cash flow needs
Covering the cost of production expenses, including:
- Seed
- Fertilizer
- Crop protection products
- Livestock purchases
- Labor wages
- Equipment maintenance
- Fuel
Benefits of Our Operating Loans
Work with lenders who understand the unique challenges of Texas agriculture, offering expert advice and personalized solutions based on years of experience in agricultural lending.
Benefit from cash back through our industry-leading Patronage Program, which can effectively reduce your overall cost of borrowing.
Take advantage of flexible payment schedules designed to align with the seasonal demands of agriculture, ensuring greater financial control throughout the year.
How it Works
Borrowers can withdraw funds, repay them and borrow again as needed, up to the established credit limit.
The available balance on the loan replenishes automatically as payments are made.
Revolving or non-revolving lines of credit are available, based on a variety of factors.
Rates
Capital Farm Credit offers competitive variable interest rates based on several market indices to provide flexibility for short-term borrowing needs.
Terms
Repayment terms for operating loans are typically short-term and designed to match the agricultural cycle. Most loans are due after the harvest or production season.
Collateral
Collateral requirements may include crops, livestock, equipment or land. We work with you to identify assets that meet collateral requirements while supporting your operation’s success.
Ready To Get Started?
Applying for a Capital Farm Credit loan is easy and secure. Start by filling out the form at the link below—we’ll use your information to match you with the right loan application for your needs.
Need help getting started? We’re here for you — just give us a call at 877-944-5500.
Apply Now
Patronage Program
A partnership that pays.
Capital Farm Credit’s Patronage Program sets us apart by returning a portion of our earnings to our members more consistently than other cooperative financial institutions. As a cooperative, we believe in sharing our success with those who make it possible — our customers. Through this program, you receive tangible financial benefits that can effectively reduce the overall cost of borrowing, helping you reinvest in your operation. It’s more than just a financial return; it’s a reflection of our commitment to supporting Texas farmers, ranchers and rural communities.
Learn More
Member Stories
Recommended by Texans like you.
“I’ve been farming for over 25 years. I was having a little trouble getting refinanced with the commercial bank I was with, so I was talking to the county extension agent one day and he said “I think you really should talk to Capital Farm Credit.” They know the ups and downs of the markets and the weather and everything that gets thrown our way. They understand what it takes to make it through. I think if you’re not doing business with Capital Farm Credit, you’re missing out.”
Jason Poole, QuanahFrequently Asked Questions
Absolutely! We offer operating loans tailored to the unique needs of start-up farms and ranches, helping you get your operation off the ground with the resources you need.
Operating loans are short-term and typically cover seasonal expenses, such as planting or harvesting costs. Term loans are long-term and designed for major investments like purchasing land, equipment or infrastructure.
No, you don’t need to be a current customer to apply. We welcome new customers and will work with you to find the best financial solution for your needs.
Yes, Capital Farm Credit offers flexible payment schedules to align with your income cycle, ensuring repayment terms work with your operation’s cash flow.
Yes, refinancing options are available to help you secure better rates or terms. Contact your local Capital Farm Credit relationship manager to explore your refinancing options.
Credit history is considered, but we understand the complexities of agriculture. We evaluate applications on a case-by-case basis and may still offer options for borrowers with less-than-perfect credit.
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We do more than provide financing — we safeguard your farm, ranch and agribusiness with insurance products to protect your investments and preserve your legacy for generations to come.
