Crop Inputs

Managing cash flow through planting and harvest can be one of the biggest challenges for Canadian farms, especially when input costs peak long before crop revenue comes in. The Crop Inputs program, delivered by Farm Credit Canada in partnership with local retailers, is designed to ease that pressure by letting producers finance essential inputs like fuel, fertilizer, and crop protection products as they need them, rather than paying upfront.

Instead of a traditional lump-sum loan, this program connects financing directly to your trusted input retailer, allowing purchases to be made over the growing season with repayment scheduled around your operation’s cash flow. Many farms use this flexibility to market their crops at better prices before payments come due, rather than selling early to cover input bills. With extended repayment timelines that can stretch well beyond a single growing season and the ability to make payments without penalties, the program supports day-to-day operational decisions without locking businesses into rigid terms.

Available to eligible small and medium-sized agricultural businesses across Canada, Crop Inputs works well for grain, oilseed, and other crop producers looking for predictable, manageable financing tied to real operating needs. For farm owners weighing how to fund inputs while preserving working capital, taking a closer look at how this financing works could reveal a practical fit for the upcoming season.