Now is a good time to take stock; not just of what’s in the bin or pasture, but of your farm’s financial needs heading into winter. Whether you’re growing grains, raising cattle, or managing a mixed operation, fall is a smart time to consider an Advance Payments Program cash advance from CCGA.
A cash advance provides farmers with access to up to $1,000,000 in financing. For 2025, the first $250,000 is interest-free for any commodity eligible under the program, plus an additional $250,000* interest-free for canola only. Any amount above the interest-free portion is at CCGA’s interest rate of prime minus 0.25%, resulting in a blended rate that’s well below prime on every advance.
* Amendments to the Agricultural Marketing Programs Regulations that provide for a temporary doubling of the interest-free portion for canola advances under the Advance Payments Program became effective September 16, 2025. Read CCGA Now Issuing Increased Interest-Free Advances for Canola.
Available on over 50 commodities – including grains, oilseeds, pulses, honey, and large and small livestock – a cash advance is designed to fit the needs of Western Canadian farmers.
Here’s how a fall cash advance could support your farm:
- Get access to cash flow from unsold inventory. You can hold onto your grain or delay livestock sales until you’re ready to market, while still having the necessary cash flow to keep your operation running smoothly.
- Low-cost financing. With below-prime interest rates on an advance, it’s a smart financial choice to pay fall bills or take advantage of early-purchase discounts on next year’s inputs.
- Manage seasonal expenses more efficiently. Use a fall advance to cover year-end payments, equipment maintenance, winter feed costs, or whatever your farm needs.
Just starting to farm? No problem. You can apply as long as you own, store, and sell your inventory separately from others.
Every farm is different, but post-harvest planning often means bridging the gap between this year’s work and next year’s plans. A cash advance can provide flexibility, helping you make confident decisions as you prepare for the next growing season.
Learn more: What is a cash advance?