Financing for agricultural cooperatives and producers
CFA provides input finance and commercial lending programs aligned with seasonal cash flows, cooperative balance sheets, and the needs of rural communities.
Current Interest Rates
Simpli-Fi by CFA Field Finance Rate
Variable
Interest Rate for CFA Input Finance Loans Booked for the 2024, 2025 and 2026 Crop Years.
Interest Rate as of November 1, 2025.
CFA Input Advantage Rate
Variable
Interest Rate for CFA Input Finance Loans Booked Prior to the 2024 Crop Year.
Interest Rate as of November 1, 2025.
CFA Base Rate for Commercial Loans
Variable
Base interest rate for commercial lending products.
Interest rate as of November 1, 2025.
All Rates are Variable and Subject to Change at any time
Simpli-Fi by CFA
This loan is designed to provide financing for your agronomy and related services purchased at your local cooperative. The loan can be up to $1,000,000 based on information submitted in the Simpli-Fi by CFA Loan Application. The loan is simple to use as the loan application and loan documentation are combined into one document.
CFA's input financing programs, supported by the Field Finance platform, help retailers and cooperatives offer competitive, convenient credit for crop inputs while managing risk and improving cash flow. Producers gain predictable terms and simplified borrowing, while cooperatives retain and deepen relationships in their trade area.
Features & benefits
- Convenient
- Easy to apply, fast decisioning, and straightforward documentation for retailers and producers.
- Expert support
- CFA provides onboarding, marketing materials, and training for cooperative staff.
- Comprehensive
- Finance seed, crop protection, fertilizer, and other production needs under one relationship.
- Cost-effective
- Delivers the advantages of a captive finance program without the capital or infrastructure burden.
- Competitive advantage
- Customizable loan programs, promotions, and interest options that help cooperatives compete and grow.
- Flexible
- Rate and maturity structures that can be aligned with your marketing strategies and local agronomy calendar.
Commercial & Cooperative Lending
CFA offers a comprehensive suite of commercial lending products designed for agricultural cooperatives, tailored to seasonal cash flows, cooperative balance sheets, and long-term growth.
Operating Loans
These commercial loans are revolving lines of credit available to finance the seasonal increases in supply inventory, grain inventory, hedging activities, receivables, and operating expenses.
Commercial loans are typically secured and may have either variable or fixed interest rates. Operating loans usually mature within 12 months.
Term Loans
This commercial lending product is used to finance real estate, facilities, equipment, vehicles, or permanent levels of current assets.
Term Loans may be either revolving or non-revolving, are typically secured with assets of the cooperative, and may have either variable or fixed interest rates. The repayment period will be matched to the useful life of the assets financed and to the cash flow to be generated.
Specialty Lending
These loans are single-purpose loans to member cooperatives that have a borrowing relationship with another lender. The loans are used to provide deferred terms and fund 100% of inventory purchases.
Our Premier Specialty Loan is our best deferred-terms tool for financing invoices. The loan is a perpetual line of convenience credit subject to annual review.
How it works:
- • Member cooperative selects the invoices to be financed
- • CFA makes the payments to the suppliers
- • The loan is due in full once a year
- • Member cooperative chooses which month of the year you prefer to pay off the loan