Whether you need an operating loan to help with the day-to-day expenses or want to make major improvements to your farm operation, our agriculture lending products are tailored to meet your ongoing borrowing needs.
Give your business the flexibility to grow whether you need an operating loan to help with the day-to-day expenses or you want to make major improvements to your farm operation.
Loans are generally used to finance purchases such as:
Equipment or vehicles
Expansion or renovation
Lump-sum working capital
Line of Credit
Enjoy financial flexibility to manage your cash flow with a line of credit that can be paid down and used again as your business grows and changes.
Lines of credit are typically used to cover daily expenses such as:
Borrow smart with a loan or line of credit!
Whether you're looking to manage day-to-day expenses or want to expand your business, a Loan or Line of Credit can help provide the financing you need.
Work with us and together let's make your business dreams a reality.
Frequently Asked Questions
A fixed interest rate stays the same for the term chosen. It’s ideal if you’re looking for set payments, and want to know exactly when the loan will be paid off.
A variable interest rate changes whenever our prime rate changes. It’s ideal if you’re not worried about changing interest rates, and want to benefit when interest rates decrease.
If interest rates decrease, more of your regular payment goes towards your principal, so you can pay off your loan faster.
If interest rates increase, more of your regular payment goes towards interest, and amortization period will increase. Your regular payment may have to be adjusted periodically.
On average, you can expect to pay approximately 25% of the eligible expense, due at the time of purchase. You may wish to talk with one of our representatives for more information.
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We provide access to a diverse group of mutual funds through Credential Asset Management Inc. and Credential Securities that can help you match your investment goals.
Mutual funds and related financial planning services are offered through Credential Asset Management Inc. Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade and Qtrade Direct Investing are trade names and trademarks of Aviso Wealth. Qtrade Guided Portfolios is a trade name of Credential Qtrade Securities Inc. Aviso Wealth Inc. ('Aviso') is a wholly owned subsidiary of Aviso Wealth LP, which in turn is owned 50% by Desjardins Financial Holding Inc. and 50% by a limited partnership owned by the five Provincial Credit Union Centrals and The CUMIS Group Limited. The following entities are subsidiaries of Aviso: Credential Qtrade Securities Inc. (including Credential Securities, Qtrade Direct Investing, Qtrade Advisor, Qtrade Guided Portfolios and Aviso Correspondent Partners), Credential Asset Management Inc., Credential Insurance Services Inc., Credential Financial Strategies Inc., and Northwest & Ethical Investments L.P.