Funding Built for Row-Crop & Grain Farms

Yes. We know grain farming is seasonal, your revenue lands in a narrow post-harvest window, not evenly every month. We look at your operation across the year, your annual and trailing revenue and your deposit history, rather than holding you to a strict month-by-month floor. An established farm with consistent annual revenue and at least 6 months operating is a fit, even though the cash arrives in lumps.

Anything the operation needs to reach harvest. Farms use Monera funding for seed, fertilizer, chemicals, fuel, custom planting and harvest work, cash rent, repairs, and payroll, the costs that go out in spring and early summer before the crop is sold in the fall. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.

FSA and the Farm Credit System are the door for farmland, real estate, and major machinery, and FSA direct farm operating loans cover annual production costs up to a $400,000 maximum. They're valuable, but they're slower and paperwork-heavy. Monera covers the fast, flexible operating-cash gap those programs leave, the months of input costs before the single harvest pays, or a bridge when you've already used your FSA operating-loan capacity. We work alongside those programs, not in place of them.

No. Farmland, grain bins, combines, planters, and other big iron are a different kind of loan, properly handled by the Farm Credit System, USDA FSA ownership loans, or dedicated farm-equipment financing. Monera funds the working-capital gap of running the farm, the seed, fertilizer, fuel, chemicals, custom work, cash rent, and payroll, not the ground or the machinery itself.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason grain farms choose us over a bank, an SBA loan, or an FSA approval cycle, where the same request can take far longer, sometimes past the planting window you needed it for.

Both fit the crop year, and we match you based on how your operation runs. A working-capital term loan gives you a lump sum up front to cover the season's inputs, repaid after the crop sells. A business line of credit works like the revolving operating line many farmers already use, draw on it to buy seed, fertilizer, and fuel, then pay it down when grain checks land, and redraw next crop year. You only pay interest on what you actually use.

Yes. When the whole year's revenue rides on one harvest, a delayed indemnity, a replant, or a government program payment that arrives months after harvest still leaves spring and summer obligations due now. Working capital bridges the lag between the loss or the payment and the cash the operation needs to keep going, so you're not stalled waiting on money you've already earned.

That squeeze is exactly the gap working capital is built to bridge. USDA's forecast shows a multi-year down-cycle, with net farm income cut to about $154.6 billion for 2025 and prices down on corn, soybeans, and wheat, while total production expenses stay high near $473 billion. Fertilizer alone runs 33 to 44 percent of corn operating costs. You're fronting more cash for a crop worth less. Funding doesn't change prices, but it gives you the cushion to front the inputs and reach the harvest that pays them back.

All credit profiles are considered. We weigh your operation's revenue and deposit history more than a single credit score, so a tough year, a weather loss, or a stretch of low prices doesn't automatically rule you out. Many of the farms we fund come to us precisely because a bank turned them away.

The basics: recent business bank statements and, typically, your most recent tax returns (including the Schedule F where applicable). We use them to understand your annual revenue and the shape of your crop-year cash flow. Checking what you qualify for uses a soft credit pull that won't affect your score.

We fund your farm business, not your customers. Our capital goes to your operation, for the inputs, labor, and cash flow it takes to grow and harvest the crop. It is not a consumer or buyer-financing program, and it is not tied to the grain elevator or any specific contract. How you market and sell your grain stays entirely with you.

Yes. Many farms use the funding to take prepay discounts or to lock in fertilizer and seed before prices move, instead of waiting until they're stretched in the spring. Because the capital is flexible, you decide how to deploy it across the crop year, the timing that saves you the most is up to you.