Flatland Capital delivers the full range of ag input financing your farmer customers need, from FICO-only approvals up to $150,000 with no financial documents to fully underwritten programs at any requested amount. One input loan partner, white-labeled under your retail brand or kept under the Flatland Capital brand, whichever fits your business.
As a full service ag input financing provider, we cover the entire spectrum of retail credit, from FICO-only point of sale approvals up to $150,000 to large, fully underwritten input loans at any requested amount.
Up to $150,000
FICO Only · No Paperwork
Over $150,000
Full Programs · Any Amount
Run every loan under your retail brand or keep it under the Flatland Capital brand, from application through repayment. We handle the credit engine, funding, and compliance behind the scenes so your team stays focused on selling.
Tap into manufacturer sponsored programs, customize terms to fit each customer, and move receivables off your balance sheet to minimize your risk exposure.
Powered by Agridraw
Every Flatland Capital input loan is managed through the Agridraw platform, a tool built to make ag financing as straightforward as running your retail counter. From first application to final payment, Agridraw keeps the process simple for your team and your customers.
Apply in Minutes
Farmers submit one simple application at the point of sale.
Simple Approval
FICO-only decisions come back in seconds, so deals never stall.
Manage Everything
User roles, draws, and payments live in one clear dashboard.
See how a Flatland Capital input loan compares to a traditional operating loan.
Purchase Amount: $500,000
| Rate | Interest | Net Cost | |
|---|---|---|---|
| Flatland Line of Credit | 7.00% | $43,822 | $543,822 |
| Operating Loan | 9.00% | $56,342 | $556,342 |
Net Savings
$12,521
Savings Per Acre
$5.01
This calculator is provided as a self-help tool for independent use. We do not guarantee its accuracy or applicability to your circumstances. Using this calculator does not constitute an application for credit and does not qualify you for any credit product. Flatland Capital does not provide tax or legal advice; consult your own advisor for your particular situation.
Need a manufacturer-sponsored program designed and run for you? See Flatland Advisory.
Are you ready to launch a finance marketing program for your brand or distribution network? Contact us to learn how Flatland Capital can drive measurable sales lift through your channel.
Ag input finance has its own language. Here is how input financing works, what it costs a retailer, and where Flatland Capital fits in the channel.
Input financing, also called ag input finance, is credit extended to a farmer to buy crop inputs such as seed, fertilizer, chemicals, and other production supplies from an ag retailer. Repayment is aligned to the crop cycle, so the farmer pays after harvest instead of at the counter.
An operating loan comes from a bank or farm credit lender and covers broad operating expenses, usually with full financial underwriting and a lien on the operation. An input loan is purchase-specific, underwritten faster, and issued at the point of sale through the retailer, which keeps the retailer's sale from stalling while credit is arranged.
Flatland Capital approves ag input financing up to $150,000 on FICO score alone, with no tax returns, balance sheets, or Schedule F. Requests above $150,000 move to a fully documented program at any requested amount.
No UCC filings are required on input loans under $500,000, which keeps the farmer's other lending relationships undisturbed.
Yes. Every input finance program can run under your retail brand from application through repayment, or stay under the Flatland Capital brand, whichever fits your business.
Ag retailers, distributors, and input manufacturers across the United States. We handle the credit engine, funding, and compliance so your team stays focused on selling inputs.