Operating Loans
Flexible Ag Loans for Your Farm, Ranch, or Agribusiness
Agriculture operates on its own timeline, and Oklahoma AgCredit understands the importance of reliable access to capital. Our farm operating loans are designed to provide on-demand financing, so you can cover essential expenses like livestock, feed, seed, equipment, and labor.
Types of Operating Loans
Livestock Loans
Raising livestock requires smart financing that works with the seasonal nature of agriculture. Our livestock loans are structured to align with your sales cycle—not monthly payments. Use financing to purchase, feed, care for, or refinance livestock with confidence.
Poultry Loans
Poultry operations require significant upfront investment, from building houses to acquiring birds and securing feed. Our poultry loans help you get the capital needed to establish, expand, or maintain your poultry business while keeping cash flow steady.
Agribusiness Loans
Agriculture is more than just farms and ranches, and our financing solutions reflect that. Whether you operate a processing facility, supply business, or other agribusiness, we provide working capital tailored to your industry. Our loan officers understand agriculture challenges and know how to get you the right financing for your operation.
Why Choose an Oklahoma AgCredit Farm Operating Loan?
Borrow Only What You Need
Access funds when necessary without over-borrowing.
Multi-Year Commitment Options
Preserve working capital and avoid the stress of annual renewals.
No-Limit Remote Deposit
Scan and deposit checks directly into your operating line of credit from anywhere.
Flexible Repayment Terms
Choose from annual, semi-annual, or monthly interest payments based on your income cycle.
Cash-Back Dividends
Receive annual cash-back dividends that effectively reduce borrowing costs.
Operating Line of Credit Explained
A farm operating loan provides the working capital needed for seasonal and recurring agricultural expenses. Rather than taking out a fixed loan amount, you can draw funds as needed and repay over time, restoring access for future use. This allows you to only pay interest on the amount borrowed, making it a cost-effective financing solution. With an operating loan, you can finance livestock purchases and feed, seed and fertilizer, cash rent for farmland, and labor or payroll expenses.
Loan Rates & Terms
We offer rate options built specifically for agriculture, allowing you to customize your loan structure:
Fixed or Variable
Interest Rates
Flexible
Terms
Customized Payment
Schedules
How to Apply for an
Operating Loan
We make the application process quick and simple, whether online or in-person. Our financial officers specialize in farm operating loans and will guide you every step of the way.
What You’ll Need to Apply
How you plan to secure your loan (collateral, business assets, etc.)
Details about your operation and how you’ll use the loan funds
Proof of income and financial statements, if applicable
Get Started Today
Whether you need funding for livestock, poultry, equipment, or general operating expenses, Oklahoma AgCredit is here to help. Our flexible operating loans are designed to fit the unique demands of ag businesses.
Loan Calculator
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