0% Interest Financing for New FBN Customers
Haven't purchased from FBN before? Now is the time to buy.
Extend your savings all season long by reaching a minimum spend and securing your 0% rate lock on FBN products with no payments until January 1, 2026. To qualify, spend a minimum of $20,000 on all FBN inputs and livestock products, including 4 unique products at $1,000+ each, within 30 days of your first purchase from FBN.
Terms and conditions apply, click button below for full program details.
FLEXIBLE FINANCING
Financing Options
When you upgrade your Input Loan with an Operating Line from FBN Finance, you’ll have more options to purchase items for your operation.
And if you’re looking to maximize your profit potential, qualified farmers may be approved for both loans with up to $1M in total spending power.
Flexible Financing Solutions from FBN Finance
Do More with Operating Lines
Finance Your Farm Spending: Purchase inputs from FBN and pay for approved ag operating expenses like rent, labor and more.
Operating Line Details: Fixed rate, revolving lines of $150,000-$1 million are available with no payments due until March 1, 2026.
Fast Approvals: Apply today to receive an instant approval*.
Finance Input Purchases
Power Up Your Input Financing: Add to your FBN Finance Operating Line for even more spending power on inputs.
Input Financing Details: Secure fixed rate, non-revolving lines of $10,000-$500,000 available with no payments due until Jan. 1, 2026.
Fast Approvals: Approvals possible in as little as 1 business day.
FAQs
Are there any fees or additional costs to the farmer?
No.
Can a farmer have 2 operating loans from 2 different lenders?
Yes, you can, but each lender may require a specific collateral lien position.
Are operating lines only available for row crop farmers?
Operating lines require crop production for the collateral, so multi-function crop and livestock operations may be a fit, but single livestock operations are not a good fit.
Can I only use my operating line with FBN?
No. While you can use your operating line to buy inputs from FBN, you can also use it to purchase products and services not offered by FBN. Buy inputs from other vendors, pay rent, pay for labor and much more.
Will FBN’s name be on my checks?
FBN’s name is not on grain or crop insurance checks.
Ready to Apply for an Operating Line?
Ready to Apply for an Operating Line?
If an operating line sounds like the right fit for your ag operation, complete the form below or call 855-209-1932 to speak with a member of the FBN Finance team today.
Terms and Conditions
What are the terms and conditions?
*Subject to final review and verification.
Must be a member of FBN. Must complete a credit application and be approved by FBN Finance, LLC or our lending partner. Customer must be credit qualified by FBN Finance, LLC, and all loan documents must be fully executed. Payment in full must be made by January 1, 2026; default interest rate charges apply. Promotional 0% interest rate expires November 1, 2025. Previous year spend is defined as the period of September 1, 2023- August 31, 2024.
For purchases using FBN Finance input line of credit, qualified farmers must purchase within promotional period (September 1 - December 31, 2024) to receive the promotional rate: 0% interest through November 1, 2025 and prime +2.50% on purchases thereafter. Payment in full must be made by January 1, 2026; default interest rate charges apply. After November 1, 2025, the interest rate will be subject to the prime rate as reported in the Wall Street Journal plus 2.50%. On the first day of each month the interest rate shall be adjusted by adding a margin of 2.50% to the current prime rate. Approved farmers who make a minimum purchase equaling 60% of their prior year’s spend (September 1, 2023 - August 31, 2024) of any crop input or livestock categories (including 6 products at $2,500 each from crop protection or $1,000 each from livestock) from FBN Direct by December 31, 2024, or 75% of their prior year’s spend (September 1, 2023 - August 31, 2024) of any crop input or livestock categories (including 6 products at $2,500 each from crop protection or $1,000 each from livestock) from FBN Direct by February 28, 2025 will receive the benefit of automatic qualification for a promotional rate lock from FBN Direct. The rate lock offers qualified farmers a promotional rate of 0% interest, based on the timing of qualification, on future purchases of input products only made through FBN Direct by August 31, 2025. Payments for all amounts owed under the associated FBN Finance Input Financing are due January 1, 2026. If the total balance for all amounts owed is not paid in full by January 10, 2026, late fees will be imposed. During the standard program pricing periods of January 1, 2025- February 28, 2025, and after March 1, 2025, the interest rate will be subject to the prime rate as reported in the Wall Street Journal plus 2.50%. On the first day of each month the interest rate shall be adjusted by adding a margin of 2.50% to the current prime rate