Ag Operating Line of Credit

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

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

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

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.