Ag Plus Financing vs. Standard 7.5% Bank Line of Credit
Comparison Example
When it comes to managing input costs, how you finance matters just as much as what you buy. At Ag Plus, our CFA financing programs are designed to give growers lower interest rates, flexible terms, and savings that stack up quickly. Let’s compare what happens when a 1,000-acre grower uses Ag Plus financing versus a standard bank line of credit at 7.5%.
*The prepay numbers in this example are industry averages utilized to show differences in early prepay savings.
a savings of $29,920.47 with ag Plus CFA & Prepay
Financing with Ag Plus CFA Program
This grower locks in early with Ag Plus, purchasing seed by November 30, 2025 and fertilizer/chemicals by December 31, 2025.
Total Input Costs
Corn Seed: $125/acre x 500 acres = $62,500
Soybean Seed: $47/acre x 500 acres = $23,500
Financing Costs
Corn Fertilizer: $165/acre x 500 acres = $82,500
Soybean Fertilizer: $59/acre x 500 acres = $29,500
Financing Costs
Corn Chemical: $40/acre x 500 acres = $20,000
Soybean Chemical: $60/acre x 500 acres = $30,000
Financing Costs
Total Financing Costs = $13,754.53
Total Prepay Savings = $24,300.00
Financing with a Bank at 7.5%
This grower misses the prepay deadlines and finances seed, fertilizer, and chemicals with a bank line of credit starting January 1, 2026 at 7.5%. No prepay discounts apply.
Total Input Costs
Corn Seed: $125/acre x 500 acres = $62,500
Soybean Seed: $47/acre x 500 acres = $23,500
Financing Costs
Corn Fertilizer: $165/acre x 500 acres = $82,500
Soybean Fertilizer: $59/acre x 500 acres = $29,500
Financing Costs
Corn Chemical: $40/acre x 500 acres = $20,000
Soybean Chemical: $60/acre x 500 acres = $30,000
Financing Costs
Total Financing Costs = $19,375.00
Total Prepay Savings = $0.00
Local Card
17¢ Fuel Discount (For a limited time)
Potential Patronage Dividends
Charge Purchases to Local Ag Plus Account
Rewards Card
3¢ Fuel Discount (Ongoing Reward)
Daily In-Store Rewards
1 Point for Every $1 Spent In Store
Get-One-Free Rewards Clubs
Rewards Card
3¢ Fuel Discount (Ongoing Reward)
Daily In-Store Rewards
1 Point for Every $1 Spent In Store
Get-One-Free Rewards Clubs
By planning ahead, securing inputs early, and taking full advantage of Ag Plus's financing programs, the Planner saves big money compared to growers who miss deadlines.
Investing time now to plan and partner with Ag Plus pays off—not just in savings but in peace of mind for the growing season ahead. Contact your Ag Plus agronomist today to learn more and lock in your savings.
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