Operating Loans
Financing to help you operate with confidence.
We understand every farm and business is different, which is why we offer operating loans with flexible terms, competitive interest rates, and a variety of repayment options that give you the working capital you need to keep your operation running smoothly.
Make the most of your operating funds.
The accessibility of your line of credit gives you the flexibility to manage your business cash flow from planting season to harvest and everywhere in between.
Loan Features
Revolving line of credit with drafts and disbursement cards.
Interest Rate Options
Variable rate options based on financial strength and risk tolerance.
Repayment Options
One-to-three-year terms, with one-year operating loans considered for automatic renewal option.
Additional Features
Direct deposit, mobile deposit, and online access.
GreenStone Farm Cash Management® Account
Putting your operating funds to work for you
When your Farm Cash Management account associated with your operating loan is activated, you may make deposits to your investment account while the loan’s principal balance remains at zero. Each deposit will earn interest.
Specialized lending for your operation
Young, Beginning, & Small Farmers
Our CultivateGrowth program focuses on providing specialized financing and resources to the future of the agriculture industry.
Agribusiness Solutions
With more than a century of industry experience, we offer agribusiness loans that scale to support your operation’s long-term growth.
Patronage Program
It pays to partner.
We’ve returned more than $1.2 billion in profits to our members, including $125 million this year. When our members are successful, we’re successful — partnership pays!
Tools and guidance to help you borrow with confidence.
My Access is your key to an array of secure online banking tools and convenient communication with your GreenStone team.
We’ve outlined the loan application and approval process, so you know what to expect.
Knowledge & Resources
The GreenStone Story: Save Money, and Earn More with Farm Cash Management
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The GreenStone Story: You’re a few clicks away from convenient, secure banking
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Lines of Credit Can Offer Cash Flow Flexibility
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Understanding Operating Loans
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A suite of online tools to help you and your business
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Using business goals to define a marketing plan for your operation
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With GreenStone, everything works together.
Important Dates
Mark these dates on your calendar
“The support from GreenStone has really helped us achieve our vision for how we wanted to expand this year. Working with Josh has been great. Since the beginning, our relationship has really been more like two neighbors, because that’s what we are. I know I can text or call him to run ideas past him and know he has our best interest in mind.”
“When we did a big expansion, we got the best package for what we needed with GreenStone. We have a lot of qualified people around us at GreenStone.”
Operating Loan Frequently Asked Questions
Ready to get started?
Our dedicated team of experts are here to help.