Refinancing Is Worth a Conversation If:

✓ Your operating line feels tighter than it used to

✓ You're considering additional acres

✓ You're planning ahead for next season

Meet FarmOp Capital.

We are the lender who has reinvented operating loans by basing them on a farmer’s ability to produce, not how much land they own.

Our production-based lending approach helps farmers keep investing in their business and explore the “what ifs” as conditions change.

Frequently Asked Questions

Q. Why should I consider refinancing mid-season?

A. Mid-season is one of the best times to reevaluate financing. By mid-season, you have greater visibility into actual operating expenses, cash flow needs and plans for the next crop year. That makes it a practical time to review whether current financing still aligns with your operation's needs.

Q. Can refinancing improve my working capital?

A. Yes. Some farmers refinance to create greater flexibility in managing cash flow, input purchases and seasonal operating expenses.

Q. What if my operating costs have changed?

A. As your input costs fluctuate and your operation evolves, refinancing can align your financing with your current operating realities rather than yesterday's assumptions.

Q. Can refinancing now help me prepare for next season?

A. Many producers are already formulating their plans for next year. Those who review their financing now can restructure to have the capital and flexibility they need to execute next year’s crop plans.

Q. Is there any obligation to explore my options?

A. No. A conversation with FarmOp Capital is simply an opportunity to review your operation, discuss your goals and determine whether refinancing makes sense.

Talk with a
Regional Relationship Manager

Explore the “what ifs” for your farm now and into next year. Connect with a Regional Relationship Manager to see whether refinancing your operating loan could better support your goals.