When farmers don’t have enough operating capital, everyone feels it — delayed payments, growing receivables and harder inventory decisions. FarmOp Capital fixes the gap traditional lenders leave behind.

 FarmOp partners with co-ops and input suppliers to support farmers who need more operating capital than banks or Farm Credit can provide — without putting financing on your balance sheet. You refer the farmer. FarmOp handles the loan. You get paid sooner — often within 30 days.

More Capital for More Buying Power

Traditional lenders often finance only part of a farmer’s operating needs. That forces farmers to 
decide which bills get paid first.

FarmOp is different. Our loans are structured around future crop production, not hard assets, allowing farmers to fully fund their input needs and avoid mid-season cash shortfalls. FarmOp cuts the checks for inputs to suppliers directly, ensuring bills are covered on time and relationships stay strong. Farmers get the capital they need with more flexibility and greater buying power — without the stress of juggling payments throughout the season.

Quicker Payments and Lower Risk

Input costs are built directly into the farmer’s operating budget and managed by FarmOp, with payments timed to when you need to be paid. The result: lower accounts receivable risk, improved cash flow and the confidence to better serve your customers with products and services that drive farm performance.

Earlier Capital for Better Planning

Farmers can access FarmOp loans in the fall, giving them the flexibility to place early input orders and take advantage of bulk pricing discounts. That means stronger farmer commitment, better inventory visibility and more predictable demand for your business.

A Ready-To-Go Solution

Most retailers aren’t built to manage short-term crop lending and monitoring. FarmOp handles it all. Through our financing program, you gain access to operating loans, crop insurance coordination, equipment leasing and real-time crop monitoring — with no disruption and no cost to you.