Operating Loan
We’ve made some recent changes to the Ag Operating Loan.
Help meet your expenses through daily and seasonal cash flow fluctuations.
Apply just once
Once you apply and are approved, you're good to go! We'll review annually, and there's no need for you to reapply.
Cover all your bases
Use the Operating Loan to cover the day-to-day expenses of running your operation.
Pay for what you use
Only pay monthly interest on the amount of the loan you use, so feel free to use as much or little as your operations demand.
Key product details
| Interest rate | Variable |
| Term range & payment | Renewed annually; connected to a deposit account with payments and repayments automatically flowing in and out |
| Amount | Up to 100% financing available |
| Repayment | Flexible terms; Interest paid monthly on outstanding balance |
Frequently Asked Questions
If your borrowing needs are under $50,000, an ATB Mastercard® may be a more convenient option for you. For more information on the right solution for your business, contact an ATB business expert.
Use your ATB operating loan to:
- Finance accounts receivable
- Cover daily operating expenses
- Take advantage of supplier discounts and deals
- Avoid late payment penalties
- Reduce interest costs
Connect with an expert.
Take advantage of time-sensitive opportunities, or support your operations between payments. Help balance your cash flow with an Operating Loan.
Find the right loan for your agriculture business.
Choose your term
Agriculture Term Loans
Get money when you need it, whether you're looking to purchase equipment, land or buildings.
Keep your operations stable
Operating Loan
Seize the day with a single-application loan that helps you meet your expenses through daily and seasonal cash flow fluctuations.
Get your loan, your way
Equity Agri-Plan Loan
Get what you need for your farm, when you need it, with convenient, flexible financing.
Be ready for anything
Evergreen Financing
This re-advanceable line of credit puts you in a position to make capital purchases quickly and easily.
Enjoy comprehensive agricultural financing
Farmland Financing
Expand, transition or diversify your operations with financing solutions that work for today and help build your tomorrow.
Finance or lease equipment
Ag Equipment Financing & Leasing
Get the right financing and leasing solutions to meet your equipment needs.