Operating Lines of Credit
Flexible financing for the day-to-day needs of your operation.
Agriculture is seasonal, and your expenses don't always line up with your income. An operating line of credit provides ongoing access to funds to help manage cash flow, cover input costs, and handle day-to-day operating expenses throughout the production cycle.
How it works
An operating line of credit provides flexible access to working capital when you need it most.
Borrow funds as expenses arise, repay the balance as revenue comes in, and continue using available credit throughout the loan term. Loan structures are designed around your operation's production cycle, expected cash flow, and seasonal financing needs.
When it makes sense
An operating line of credit may be the right fit when:
- Purchasing seed, fertilizer, feed, or other inputs
- Managing seasonal operating expenses
- Bridging cash flow between planting, production, and harvest
- Covering unexpected operating costs
- Maintaining flexibility throughout the year
Built around your operation
Every farming operation has unique cash flow cycles and financing needs. Our lenders take the time to understand your operation and structure a line of credit that supports your farm and goals.
When you work with United Bank & Trust, you can expect:
- Financing designed around your production cycle and cash flow
- Local lending decisions
- Competitive rates
- Experienced and dedicated ag lenders
Talk through your next step and find what fits your operation
Every operation has unique financing needs. A quick conversation with our experienced Ag Team can help you find the right solution for your operation.
Let’s discuss your operation and find a solution that supports your long-term goals.
