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 |
Business & Ag Loan Calculator
Explore various loan scenarios so you can take your next step with confidence.
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
Here to help you grow
Whether you’ve chosen us as your partner or not, we'd love to learn about your farm and how we can help it grow.
Find the right loan for your agriculture business.
Farmland Financing
Purchase farmland, finance equipment and pay for feed and seed with this non-readvancing loan.
Agriculture Term Loans
Get money with the terms and timing that work for your farm.
Agri-Plan Equity Line of Credit
Leverage the equity in your land to access the cash you need to grow.
Ag Evergreen Financing
Seize the opportunity to expand with approved financing you can access through multiple loans.
Ag Equipment Financing & Leasing
Get the right financing and leasing solutions to meet your equipment needs.
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TM ATB Farmland Financing is a trademark of ATB Financial.