TerraLink + FCC: Input Financing for Growers

12 Months to Buy. Up to 18 Months to Pay.

We know that farming requires significant investment long before a crop is harvested and sold. Through TerraLink’s partnership with Farm Credit Canada (FCC), eligible growers can finance crop inputs and gain the flexibility to purchase when agronomically appropriate, rather than when cash flow allows.

With approved FCC Input Financing, you can purchase your crop inputs from TerraLink throughout the crop year, with up to 12 months to buy and up to 18 months to pay.

More Flexibility Throughout the Growing Season

FCC Input Financing helps you manage the timing of major crop input expenses without delaying purchases your operation needs.

By financing eligible TerraLink purchases you can better align input costs with your production and revenue cycle, while keeping working capital available for other needs throughout the season. Repay early without penalty or take advantage of the extended repayment period when needed.

Keep Your Cash Flow Moving

Once approved, you'll have access to:

  • Up to 12 months to purchase crop inputs
  • No interest through August 31
  • Extended payment flexibility through March 15
  • A new purchasing cycle every September 1
  • The ability to repay early without penalty
  • The ability to preserve your operating line for other business expenses

FCC Input Financing can complement your existing operating line, helping preserve working capital for other needs throughout the season.

How the Annual Cycle Works

SEPTEMBER 1: New Crop Year Begins

Your approved FCC purchasing limit resets for the new crop year. Start purchasing crop inputs for the season ahead, even if you still have a balance from the previous crop year.

SEPTEMBER 1: AUGUST 31 — Purchase Throughout the Crop Year

Purchase the crop inputs you need throughout the season, with no interest or financing charges through August 31.

AUGUST 31: Last Day to Purchase

August 31 marks the end of the 12-month purchasing period for that crop year.

SEPTEMBER 1: Extended Financing Begins

FCC financing takes over and interest begins to apply to the outstanding balance. At the same time, your approved purchasing limit becomes available again for the new crop year.

MARCH 15: Final Payment Due

The outstanding balance from the previous crop year is due by March 15. Keeping your account current ensures continued access to FCC Input Financing for future purchases.

TerraLink + FCC

FCC brings specialized agricultural financing expertise and an understanding of the seasonal cash-flow cycles of Canadian growers. TerraLink continues to provide the crop inputs, agronomic expertise, logistics and customer service you rely on.

The partnership allows each organization to focus on what it does best: TerraLink on your crop and input needs, and FCC on agricultural credit and financing.

Ready to Get Started?

Apply for FCC Input Financing and, once approved, use your FCC purchasing limit for crop input purchases through TerraLink.

Or talk to your TerraLink representative for more information about how FCC Input Financing can work with your crop cycle.

Financing is subject to FCC credit approval and program terms. Specific rates, limits and repayment arrangements are confirmed through the application process.