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Ag Operating Lines of Credit

There are no days off in the agricultural industry. In order to keep daily operations running smoothly, you need access to funds that can cover both your daily expenses and unexpected emergencies. An Operating Line of Credit insures that you have access to the funds you need, as soon as you need them.

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What is an Operating Line of Credit?

A line of credit is much like a credit card. Once approved, your ag business has access to a predetermined loan amount. You can access the operating funds as you need them, and you only accrue interest on the funds you actually borrow. Whether your cash flow is tight in the off-season or unexpected bills have you scrambling, an operating line of credit is your safety net to keep day-to-day operations on track.

Operating Lines of Credit help fund a variety of ag business needs, including:

  • Crop production
  • Livestock operating expenses
  • Feeder livestock purchases
  • Working capital
  • Irrigation systems
  • And much more!

Benefits of an Operating Line of Credit

  • Provides a safety net for unexpected bills
  • Offers financial support in off-seasons
  • Customizable repayment terms
  • Access to funds as you need them
  • Interest only accrues on funds that are withdrawn

Why Choose Peoples Bank?

At Peoples Bank, we know that agriculture plays a large role in our local communities. Our history is rooted in ag lending and our team understands the specific needs of our local ag businesses and farming standards. We’re dedicated to helping local ag businesses thrive through flexible lending solutions, local decision making, and fast turnarounds. Our agricultural lending team is comprised of members of your local community who understand the needs and challenges faced by the agricultural industry in Northwest Iowa, Southwest Minnesota, and Southeast South Dakota.

We’ll Find the Right Solution for You

A true community bank, our lenders are connected to the local ag industry and have a detailed understanding of your unique needs. Our Ag Loan Experts are ready to help new and existing farmers grow and remain profitable in the future. Stop by one of our ten convenient locations or contact us today!

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Rooted in Ag

We want to help new and existing farmers reach their goals.


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Partnering for Success

We offer a variety of business lending options. Find the one that works best for you!