Operating Loans

What We Do

Our farm operating loans help you manage cash flow for day-to-day operating expenses for farms, ranches and agribusinesses. Operating loans help you get what you need when cash flow is limited. Many use this type of loan to pay for inputs during the year such as:

  • General operating expenses
  • Fertilizer
  • Seed
  • Feed
  • Market Livestock

For more info about loans, call the Idaho AgCredit branch nearest to you and talk to a loan officer or use the Loan Inquiry button below. All decisions are made locally.

What We Need From You


Operating loans can be matched to your operating cycle, usually in 12 month increments. Revolving and non-revolving lines of credit are available with 1 to 5 year terms.

Young, Beginning & Small Farmers

Idaho AgCredit has programs for Young, Beginning, and Small farmers (YBS) that will help them accomplish their farming or ranching goals. It is part of our mission to provide sound credit to enable Young, Beginning, and Small farmers to begin, grow, or remain in agricultural production and to facilitate the transfer of agricultural operations from one generation to the next. We are a Preferred Lender with the Farm Service Agency (FSA). Our experience and knowledge of the FSA programs is just one of the many ways we provide operating, equipment, livestock, and real estate loans to YBS producers.

We encourage inquiries for loans from all agricultural producers, including market segments that may be overlooked by other lenders, such as loans to youth or individuals who are just getting started in farming or ranching and individuals who are farming or ranching in “new markets” such as specialty crops, farm to table, or farmer’s markets.

Am I Eligible?

Farmers and ranchers who have one or more of the following criteria may quality for our YBS loan program:

  • YOUNG: age 35 or younger
  • BEGINNING: 10 or less years experience in farming / ranching
  • SMALL: Under $250,000 annual grow income from farming operations