As harvest progresses and grazing season begins to wind down, there are still important decisions ahead. Marketing needs to be finalized, fall and winter expenses will come due, and pre-purchases for next season may already be on your mind.
Needing cash flow this fall doesn’t necessarily mean rushing to sell your 2026 production. A cash advance from CCGA can provide cash flow from eligible commodities, giving you more flexibility to make marketing decisions based on your farm’s plan, not simply on when the bills come due.
“An Advance Payments Program cash advance buys you time by providing cash flow now on your unsold commodities. Pay the fall and harvest bills without having to sell grain right off the combine, or cattle sooner than planned. Take the time you need to have the marketing flexibility you want.”
--Dave Gallant, Vice President, Finance & APP Operations
That marketing flexibility, combined with lower interest costs, and repayments that begin when commodities start being sold, have users rethinking their traditional financing plans. Some first-time cash advance customers have told CCGA that those features make an advance a game changer for managing their operation.
Give your marketing plan some breathing room
For grain farmers, the weeks and months after harvest are an important part of the marketing year. Once you know the quantity and quality of crops in the bin, you can reassess what’s already contracted, monitor markets and consider when it makes sense to move the rest. Or, if your plan is to background cattle over winter, a cash advance taken in the fall can provide working capital to help cover expenses such as feed, winter supplies, and other operating costs.
A fall cash advance can help take some of the immediate cash flow pressure out of planning.
- More flexibility in your marketing decisions. Access cash to cover operating expenses or pre-purchase inputs for next season while giving yourself more time to decide when and at what price to sell your inventory.
- Lower financing costs. Receive up to $250,000 interest-free on all eligible commodities, plus up to an additional $250,000 interest-free on canola. Any remaining advance is available at a blended interest rate well below prime.
Cash advances are available on more than 50 commodities, including grains, oilseeds, pulses, honey, cattle, bison, and other small livestock.