Frequently Asked Questions

1. How can I apply for an advance through CCGA?
CCGA offers producers multiple ways to apply for a cash advance, including:
    1. Call one of our customer service representatives at 1-866-745-2256 and your application will be taken over the phone. Applications can be completed by telephone during regular office hours (Mon-Fri; 9 am-5 pm CST)
    2. Fill out an application online at The online service is available 24-hours daily
    3. Download a paper application from our website at
    4. Complete an application at your local elevator
    5. Call our toll free line to have an application mailed to you 1-866-745-2256
    6. Visit the CCGA office in-person at 400-1661 Portage Avenue, Winnipeg, Manitoba
Completed and signed application forms can be submitted by mail, fax at 204-788-0039 or email at
Information on our program can also be obtained by going to Agriculture and Agri-food Canada’s website at

2. Can I receive an advance through CCGA if I am in default with another APP administrator?
No, all defaulted outstanding balances must be paid (regardless of which organization issued the advance) before you can receive a new advance from any APP administrator.
3. Can I apply for a Cash Advance online?
CCGA introduced online applications in 2009. Once you have completed an online application, print it out, obtain all the required signatures, and fax or mail the application form to CCGA's office. Please see the forms section, under the Cash Advance tab, for more information.
4. What important deadlines are associated with an APP cash advance from CCGA?
The production period for a spring crop APP advance begins on April 1st of each year and ends September 30th of the following year. Deadlines for the 2014-15 production period follow below: 
    April 1, 2014  - 2014-15 Cash Advance applications available.
    June 20, 2014 - Last day to apply for Intended Seeded Pre-Harvest Advance.
    July 31, 2014 - Last day to submit Actual Seeded Pre-Harvest Advance.  If you have received money for an Intended Seeded Pre-Harvest Advance, you must complete an Actual Seeded Pre-Harvest Advance Report and send to our office along with your Confirmed Seeded Acreage Report, or if using AgriStability as security, by having your Actual Seeded Pre-Harvest Advance Report signed by a Commissioner for Oaths, and returned prior to August 1st regardless of whether or not you will be receiving additional funds.
    September 1, 2014 - Fall prices may take effect.
    October 1, 2014 - 2015/16 Seeded Pre-Harvest Advance for Winter Cereals ava 
    December 31, 2014 – Last day to submit Post-harvest Advance report. If you have completed an Actual Seeded Pre-Harvest Advance, you must complete a Post-Harvest Advance Report prior to December 31st regardless of whether or not you will be receiving additional funds.
    March 1, 2015 - Last day to apply for a Post-Harvest  Advance.
    September 30, 2015 – Last day to repay your 2014-15 advance.
Remaining deadlines for the 2013-14 production period follow below: 
March 30, 2015 – Last day to repay your 2013-14 advance. *NOTE: Effective June 30, 2014, the Minister of Agriculture approved a Stay of Default that extended the deadline to repay 2013-14 advances from September 30, 2014 to March 31, 2015. To find out more about this Stay <click here>.
5. Who needs to fill out and sign the Joint and Several Liability Form?
Any producer applying jointly, or under a partnership, company, co-operative or corporation (Inc. or Ltd.) name must have all related producers in that corporation sign the Joint and Several Liability Form. In Alberta it must be witnessed by a notary public and accompanied by a Guarantee Acknowledgement Certificate for each entity (shareholder). In all other provinces a witness (must not be a relative) must sign.

6. What commodities are eligible for an APP advance from the CCGA?
In British Columbia, Alberta and Saskatchewan CCGA issues advances on 25 commodities. In Manitoba CCGA issues advances on 15 commodities. Refer to the "Advance Rates" page under the Cash Advance tab for a complete listing of commodities available in each province.
7. How is my application processed and how are cash advance funds paid out?
APP advances are processed in three stages:
    1. Intended-Seeded Advance: Producers initially receive a cheque equivalent to 60% of the original amount applied for less a 3% withhold and the administration fee. The 60% cheques are sent directly to you, the producer, along with a copy of the application. For electronic funds transfer (EFT), the producer will received an EFT notice through regular mail service.
    2. Actual-Seeded Advance: Once you have finished seeding, you must send a copy of your Confirmed Seeded Acreage Report along with the completed Actual Seeded Pre-Harvest Advance. At that time, you will receive the balance of the pre-harvest funds you are entitled to less a 3% withhold, along with a copy of your Actual Seeded Pre-Harvest Advance Report for your records. Producers can apply for an Actual-Seeded Advance without applying for an Intended-Seeded Advance.
    3. Post-Harvest Advance: Once you have completed harvest (and no later than December 31st) you must send the complete and signed Post-Harvest Advance. Once processed, you will receive any funds to which you are entitled, less a 3% withhold along with a copy of the final portion of your application.
    4. Producers can apply for a Post-Harvest Advance without applying for a Pre-Seeded Advance.
PLEASE NOTE that all parts of the application must be completed by the deadlines above, regardless of whether or not you will be receiving additional funds.

Producers have the option of using direct deposit through Electronic Fund Transfer; however this option is not available if your lending institution has indicated on your application that they require the cheque to be made out jointly. In order for you to have your advance funds transferred directly into your bank account, an EFT form must be signed as well as having a voided cheque attached. With EFT applications, advance funds are deposited directly into your account and copies of the application form are sent directly to you.
8. What is a withhold?
CCGA withholds 2% of all advance amounts issued in order to meet its obligations to Agriculture and Agri-Food Canada.  The withhold is paid back to the producer (less any outstanding interest charges) upon the full repayment of the advance as required.  In the event that an advance goes into default, the withheld amount is applied against the interest and principal amounts of the advance as specified in the Agricultural Marketing Programs Act.  All interest earned on the withheld amount is used to offset administration costs.
9. Do I have to pay a second administration fee when I transfer my pre-harvest to a post-harvest APP advance?
Only one administration fee is charged in processing the application, except when a producer uses both Production Insurance and AgriStability as security for the advance. When AgriStability is used in addition to Production Insurance, an additional admin fee of $75.00 will be charged.
10. How do I repay an advance?

Advances must be repaid by September 30th of the 18-month production period as follows:

  • On the portion of your crop first sold.  You may not dispose of any part of the crop, in any manner, before disposing of the portion of the crop upon which the advance was received.
  • By selling (or otherwise disposing) of the crop in respect of which the eligible advance is made and paying directly to CCGA for each unit of crop within seven (7) days of receipt of payment or within forty-five (45) days from delivery to the Buyer, whichever is earlier, an amount equal to the Advance Rate in effect at the time of repayment or the final rate of the program the advance was issued under.
  • By selling (or otherwise disposing of) the crop in respect of which the eligible advance is made to an Authorized Buyer, and having them remit on your behalf to CCGA for each unit of crop (within 30 days from delivery) an amount equal to the advance rate multiplied by the net MT delivered.
  • If the Producer chooses to repay in cash an amount in excess of $1000.00 or 10% of the total advance amount (whichever is greater)  without proof of sale of the product, the Producer will be charged interest at the rate of CIBC prime, on the excess amount from the date the advance was issued to the date the repayment was received by CCGA, and the Producer must pay all interest on the cash repayment to CCGA by October 15, following the 18-month end of the production period.
  • If the Producer is eligible to receive a payment under a BRM Program which was used as security for this advance by payment directly from that BRM Program payment.
    **Please note - it is the producer's responsibility to keep track of all repayments and deductions taken on their behalf by any Buyer.  In the event that a producer receives information that a deduction has not been remitted promptly, the producer must notify CCGA immediately, however, the producer will still remain liable to CCGA for repayment of that portion of grain that has been sold.
11. How can I find the outstanding balance of my account?
Statements are mailed directly to producers in each of the three months preceding the repayment deadline of each advance program. In addition, producers who set up an online account with CCGA can view their account balances and transactions at any time.
12. What is an APP ID number and where can I find this number?
Every farm business that has received a cash advance through the Advance Payments Program (APP) is issued a unique identification number called the APP Identification number or APP ID. This number is issued by Agriculture and Agri-Food Canada's APP program. Your APP ID can be found on correspondence that you have received from CCGA, including: cheque stubs, letters, account statements, as well as being included within your online account details.
13. When will I need to use my APP ID number?
CCGA uses the APP ID number to track information related to your cash advances. You will be asked for this number when you:
  1. Apply for a cash advance with CCGA,
  2. Call our office with questions about your advance accounts, or
  3. Deliver grain and request that the grain buyer submit a repayment toward your outstanding advance.

Remember your APP ID or keep a copy with you so it’s handy when you need it.


 General Program Information

  • The Advance Payments Program (APP) for spring crops is an 18-month program. Advances can be issued pre-harvest or post-harvest. A pre-harvest advance can be issued based on seeding intentions (Intended Seeded Pre-Harvest Advance) or confirmed seeded acreage (Actual Seeded Pre-Harvest Advance).  A post-harvest is based on inventory in-store.
  • Producers are eligible to receive up to $400,000 (total of all cash advance programs), with the first $100,000 being interest free.  Two program years may overlap, but the $400,000 limit may not be exceeded during the overlap period.
  • Three percent (3%) of the advance will be withheld to cover the liability to Agriculture and Agri-Food Canada if the account goes into default.
  • Separate rates will be established for pre and post-harvest advances. Pre- and post-harvest rates are effective April 1st and September 1st respectively, of each program year. New rates will be posted on CCGA's website as soon as they are available.
  • Producers have the option of using production insurance and/or AgriStability as security for a pre-harvest advance.  Proper documents for each type of security must accompany every application.  AgriStability may only be used as security on crops not covered by production insurance.  Applications on which the producer has used BOTH types of security will be charged an additional $75.00 administration fee.
  • A production insurance Coverage Detail Document or AgriStability Enrollment Notice showing the final security level/amount must be sent in with all initial applications.
  • For producers new to the program since 2007, ALL applicable forms will need to be completed in full.  These forms include the Producer's Declaration Form, the Joint & Several Liability Continuing Guarantee, the Guarantee Acknowledgement Certificates, the Saskatchewan Farm Security Waiver, and the EFT form.
  • Applications will be returned to the producer if they are not completed in full.  Please take care to ensure all spaces are filled in.
  • Full legal names are required for ALL producers.  This includes first, middle, and last names.
  • Completed applications can be submitted by mail or fax at 204-788-0039.
  • Dates of birth are required for all producers.  If there are multiple shareholders, we require this information for each entity.
  • The producer is required to have a priority agreement completed by their financial institution as well as by any crop inputs suppler or other institution that has a lien or any security on the producer's crop/grain.
  • Alberta residents applying as a Partnership, Corporation or Cooperative need to have a Notary Public witness the Joint and Several Liability Continuing Guarantee.  A separate Guarantee Acknowledgement Certificate is also required for each entity (shareholder).
  • It is a requirement of Agriculture Agri-Food Canada that application and repayment deadlines will be strictly enforced.
  • Producers are required to repay their advances as they sell or otherwise dispose of their grain.  Repayment must be made with documentation of sale.  Producers who send in cash repayments without documentation of sale will be charged interest at the rate of CIBC prime.