Cargill Cash Advance Program

Cash Now, Deliver Later

Get cash this winter against your Cargill grain contracts.

As you prepare for the new planting season we know you have a lot on your mind – like fulfilling your cash flow needs. At Cargill, we make it easy for our customers to apply for a cash advance against qualified grain contracts.

  • Apply in under 10 minutes 
  • Receive a cash advance this winter
  • Use the cash for running your operation

Why a Cash Advance from Cargill?

We want to help make getting the cash you need to run your operation is as easy as possible.

Competitive Rate

Competitive flat fee as low as 8% with no hidden charges. Actual fee is subject to advance payment date, credit profile and estimated exposure.

Convenient

No financial statements, tax returns, or collateral required. Apply within 10 minutes and receive a credit decision within 1-2 business days.

Managed Risk

Your Cargill contracts help you manage price risk while maintaining upside. Now they may qualify you for a cash advance.

How Cash Advance Works

Enroll in a Cargill grain contract and receive a cash advance this winter. 
 
Program Overview

1. See if you qualify to apply.

By answering a few simple questions, we can help you determine if you qualify to apply for a cash advance against your Cargill grain contracts (Portfolio Builder, Pacer, Pacer Ultra, Daily Floor Plus, Minimum Price Collar, Minimum Price 3-Way, NBE & Priced Contracts).

2. Apply online.

Cargill’s secure online application is quick and painless. No need to send tax statements or other financial records. Fill out the application in under 10 minutes and receive a credit decision within 1-2 business days.

3. Receive cash this winter.

Get your cash on a pre-set date and then use it to help run your operations from purchasing seed to paying rent.

4. Deliver grain next fall.

Simply deliver your grain to a Cargill location during the location’s delivery window (See FAQ below for exact dates by location) and your first bushels will pay back your advance and fee.

See if you may qualify...

  • Customer Status
  • Duration
  • Location
  • Current Contracts
  • Results

Are you a farmer customer?

Have you contracted or delivered grain to Cargill for at least two years?

Is your farm located in South Dakota?

Do you have a Portfolio Builder, Pacer, Pacer Ultra, Daily Floor Plus, ProPricing, PriceLock, Minimum Price Collar, Minimum price 3-Way, NBE, or Priced contract booked for delivery next fall?

Great! You may qualify for a cash advance. Please click the link above to access the secured Experian Credit Portal. A Cargill representative will review your application and have a decision to you within 1-2 business days.

Sorry, but in order to qualify for the advance, we require two years of contracting/delivery history with Cargill.

Sorry, but in order to qualify for the advance, we require two years of contracting/delivery history with Cargill. Click here or use this form to find a Cargill Sales rep to learn more about our risk management tools!

Sorry, but Cargill is currently unable to offer the cash advance program to our customers in South Dakota. 

Sorry, this program is offered to Cargill farmer customers only. 

Frequently Asked Questions

Answers to your questions about the Cargill Cash Advance.

You qualify to apply if: 

  • You deliver grain to Cargill.
  • You’re enrolled in a grain contract with Cargill (Portfolio Builder, Pacer, Pacer Ultra, Daily Floor Plus, Minimum Price Collar, Minimum Price 3-Way, NBE & Priced Contracts).
  • You have delivered grain to a Cargill in the past 2 years. 
  • You're located outside of South Dakota. Unfortunately, we are unable to offer the cash advance to customers in that state at this time.

Follow these steps to apply for the cash advance program:

  • Qualify to apply by answering the questions above.
  • If you qualify, you'll be directed to fill out Cargill’s secure online credit application (takes only 10 minutes). 
  • You will receive a credit decision from a Cargill team member within 1-2 business days.
  • After approval, you will need to sign an Advance Agreement and a Personal Guarantee on the advance.

A cash advance payment requires a completed online credit application and is subject to approval. Advance payment will include any existing lien holder.

Cargill customers who qualify can receive a cash advance on the number of contracted bushels they specify with a maximum cash advance of $500,000.

  • Corn: $4.00/bushel
  • Soybeans: $9.00/bushel 

Receive your cash on a selected payment date of January 3, 2023 and February 1, 2023.

Fees are as low as 8% with payments on January 3, 2023 and February 1, 2023. Actual rates are subject to credit profile and estimated exposure. Contact your Cargill rep for more details.

Your cash advance and applicable advance fee will be deducted from your grain settlement in the fall. Repayments are deductions from first delivered bushels after the delivery period begins, not just the bushels on the contract the advance is against.

Delivery repayment windows vary by location: 

  • West Memphis, AR: September 1 - October 31, 2022
  • Hickman, KY: September 1 - October 31, 2022
  • Buffalo Island, MO: September 1 - October 31, 2022 
  • New Madrid, MO: September 1 - October 31, 2022
  • Hales Point, TN: September 1 - October 31, 2022
  • Lacon, IL: November 1 - December 31, 2022
  • Morris, IL: November 1 - December 31, 2022
  • Seneca, IL: November 1 - December 31, 2022
  • Spring Valley, IL: November 1 - December 31, 2022
  • East St. Louis, MO: November 1 - December 31, 2022 
  • All other locations: October 1 – November 30, 2022

This is provided to you for informational purposes and is not intended to be, and should not be construed as, trading, financial, legal, or tax advice. No warranty is made with regard to the information or results obtained by its use. Neither Cargill, Incorporated nor any of its subsidiaries or affiliates shall be liable for any damages or loss in connection with your use of the information. Past performance is no guarantee of future results. This is not intended to be a part of any contract that may be entered into. Please consult the Purchase Contract for the terms and conditions that will govern. © 2022 Cargill, Incorporated