Revolving Line of Credit Finally, an operating loan from a lender who understands how a farm operates. It’s easy. Designed for farmers and agribusinesses who want to manage their tax liability and payments. Money is there when you need it—there’s no stress or hassle with annual paperwork or waiting on loan approval. Flexible repayment schedules mean your payments align with your cash flow. It’s fast. We make applying easy, and give you a decision quickly. It’s common-sense. Pay interest only on the amounts outstanding. No “zero-balance” period means you make draws up to the pre-approved amount. Repayment renews the balance available for future borrowing. Once you’re a member, you share our profits through a member dividend program. Your resource for all things land. Insight from Farm Credit’s Chief Lending Officer » What separates a “revolving” line of credit from other loans? Money is there when you need it; no scrambling for financial statements or stress waiting on loan approval. You only pay interest on amounts outstanding; payments can be scheduled monthly, quarterly, or annually to align with your cash flow. No “zero balance” period. Make draws up to the pre-approved amount; re-payment renews the balance available for future borrowing. Considering a revolving line of credit? Loan calculator Calculate your monthly payment. This land loan calculator computes monthly payments & the total interest based on the purchase price, downpayment amount, interest rate and number of monthly payments. Purchase Price: Interest rate (%): Downpayment amount: Number of years: Calculate Reset Need help from an expert? First name: Last name: Email address: Phone number: I need financing for: ---LandTimberHome with acreageHomeHome ConstructionFarm operationsFarm business operationsNew farmEquipmentVehicle or personalSpecialized or other Preferred contact method: EmailPhone (All fields required) Join the Farm Credit family. Are you just beginning your land buying journey—but not quite ready for a loan? Become an Associate Member and stay connected with people and information that can help you along the way. You'll receive our quarterly magazine, Wiregrass Land & Living, and our monthly e-newsletter, Farm & Land Report—featuring industry trends, event invitations and local advice from our land experts. Sign me up!