Products and Services


CoBank offers a wide variety of competitively priced loan products, from seasonal loans to term debt. Our deeply experienced relationship managers understand the unique financing needs of the industries we serve, and can help you devise the best package of loan products to meet the needs of your business. And as a member-owned cooperative lender, we offer qualified borrowers patronage based on their average daily loan balance for the year, which further lowers their overall net cost.

Seasonal loans
CoBank offers loans to finance current or seasonal assets, inventories, accounts receivable, commodities and other short-term needs. Seasonal loans usually mature within 12 to 18 months, and both variable and fixed rates are available. Many of CoBank's established customers maintain lines of credit for seasonal needs like inventory loans and operating capital financing. Inventory loans include financing for everything from feed and fertilizer to chemicals, tires and lubricants. Asset-based loans can be tailored for many different purposes. Operating capital financing is usually used to meet periodic cash-flow shortfalls or to cover immediate cash needs.

Intermediate and long-term financing
CoBank also offers loans to meet your long-term business objectives, including the construction of new facilities, remodeling or expanding existing facilities, land or equipment purchases, or to finance mergers and acquisitions, long-term assets and working capital. Fixed and variable rates are available, with the flexibility to meet your specific business objectives.  Our loan maturities typically vary by industry to correlate with their differing financing needs.  Working closely with insurance companies and investment banks also allows us to provide competitive long-term private placement financing.

Streamlined Refinance Program
U.S. rural water and wastewater providers can take advantage of a streamlined process to refinance their existing U.S. Department of Agriculture Rural Development loans. Refinanced loans issued under the program will offer multiple benefits to participating customers, including historically low interest rates; simple credit application packet; flexible structures that reduce payments or shorten maturity; streamlined approval and closing process, and patronage refunds for qualified borrowers. The program takes advantage of the current low-interest rate environment, but rates fluctuate daily and are based on market conditions.



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