Operating Loans

Texas AgFinance is the No. 1 source of agricultural financing in the Central and South Texas region. We make short-term loans to finance the day-to-day expenses of operating farms and ranches. Operating loans are tailored to match the borrower's normal production cycle.

Operating loans may be used to finance all of a producer's operating expenses or they can be limited to specific expenses. Examples of eligible expenses include seed, fertilizer, fuel, livestock, feed, veterinary costs, family living expenses and income taxes for full-time producers, and debt payments on machinery, equipment and real estate.

Short-Term Financing Features

• Variable rates from one to 12 months
• Flexible repayment terms to fit the operation
• Lower interest costs with a single line of credit
• A total commitment with capability to draw funds as needed
• Interest due only on money drawn

Revolving Line of Credit
Texas AgFinance customers may establish a revolving line of credit that allows them to borrow based on cash-flow needs. It is a useful way to pay for operating expenses and livestock and inventory purchases.

Feeder Cattle Loans
Texas AgFinance offers a special Feeder Loan Program to help year-round producers and feeders succeed in the highly competitive cattle-feeding business. Our feeder loans are available at competitive interest rates, and our margin requirements are competitive in the cattle-financing industry. .

Patronage Program
Patronage refunds are one of the many benefits of borrowing from Texas AgFinance. As a cooperative, we follow the cooperative business principle of refunding a portion of our annual earnings back to our stockholders through direct patronage payments, reduced borrowing costs or competitive interest rates.

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