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.
Enjoy comprehensive agricultural financing
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Operating Loan
Seize the day with a single-application loan that helps you meet your expenses through daily and seasonal cash flow fluctuations.
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Be approved for one amount annually and access funds through separate loans each with its own terms, rates and amortization.
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