Ag Operating Line of Credit
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Flexible Financing for Farming & Ranching Operations
Whether you're raising livestock or growing crops, Texas Regional Bank’s (TRB) Ag Operating Line of Credit is designed to support producers by providing revolving funds throughout the year. From cow-calf operations to row crop farms, our operating lines of credit adapt to the flow of your agricultural cycle.
What Is an Ag Operating Line of Credit?
An agricultural operating line of credit offers flexible financing for day-to-day farm and ranch operations, allowing you to borrow as needed up to a set limit. It’s made for producers managing changing input costs, commodity pricing, and seasonal revenue changes. Unlike a lump-sum loan, an operating line of credit allows you to pay interest only on the funds you draw from the credit line, making it a smart solution for managing farm cash flow.
Master Operating Notes: Planning with Confidence
Our Master Operating Note is an Operating Line of Credit designed for farms with consistent seasons, like row crop farmers managing different crop varieties.
- Funds are structured to support annual input costs
- Repayment is tied to your harvest and contract schedules
- Perfect for farms with steady production models
Revolving Lines of Credit: Built for Changing Operations
For dynamic ag operations, such as cow-calf producers or fruit and vegetable producers, our Revolving Operating Line of Credit adjusts to your needs.
- Draw funds for operational expenses as needed
- Reuse and repay as needed without reapplying
- Ideal for producers with variable cash flow and input demands
Term Loans: Investing in the Future
Looking to expand or modernize? Our term notes are Lines of Credit that provide tailored financing for:
- Equipment and machinery
- Infrastructure improvements like barn or poultry facility renovations
- Larger capital projects with terms from 1 to 7 years
How to Get an Agricultural Loan
Securing an agricultural loan with Texas Regional Bank is a straightforward process designed to support producers from all backgrounds. Here's how to get started:
- Gather Operational Info – Be ready to share details about your farm or ranch, including the location, size, type of farming or ranching operation, production history for each enterprise, etc.
- Prepare Financial Documents – This can include records of balance sheets, existing debt obligations, tax returns, profit and loss statements, cash flow budgets, etc.
- Define Your Purpose – Whether you’re seeking funds for cattle purchases, crop inputs, or equipment upgrades, TRB will tailor your ag loan to fit the specific goals of your operation.
- Apply & Consult with a Loan Officer – Submit your application and speak with one of our experienced lenders who understands the challenges and cycles of agricultural production. Other steps may be required based on your unique situation.
TRB works with farmers and ranchers to structure financing around their production timelines, so whether it’s a livestock loan, crop loans, or ag operating line of credit, we’ll help you find the right fit with flexible terms and local insight.
Supporting Your Operation in Every Season
At TRB Agriculture, we know farming and ranching is more than a business. It’s a way of life, and it’s a legacy. The TRB Ag Operating Line of Credit offers producers the ability to respond to changing conditions and keep operations moving. From pasture to planting, we’re here to support the work you do.
Texas Regional Bank is an Equal Housing Lender. Please see or call one of our experienced loan officers for assistance. Terms and conditions may vary. All loans are subject to a written application, loan underwriting, and credit approval.