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  • Mar 08, 2021

Farm Financing Made Easy With SECURE Financing

Farmer in shed

Farming is equal parts field management and finance management. To meet your business goals, you have to find ways to optimize costs and get the most return on investment for every dollar you spend. That’s why I like to share the benefits of SECURE™ financing by WinField United with my growers.


SECURE financing provides farmers with access to attractive, fixed-rate lines of credit for input purchases. The program combines financial support with proven agronomics to help farmers optimize ROI potential.


Helping farmers find success with SECURE financing

My company, Ceres Solutions, has helped nearly 200 farmers enroll in the SECURE financing program across all of our branches. After completing the initial application, reenrollment in the program is simple, so we find that many farmers continue to use SECURE for financing in subsequent years.


Nathan Rowings, a farmer I’ve worked with for several years, has been using SECURE for his financing since 2017. One of the reasons he initially enrolled in the program was for the competitive 0% interest rate, which he couldn’t get from other lenders at the time. The flexible repayment terms also gave Nathan more options for marketing his grain.

"SECURE lets me change my grain marketing approach. I'm not worried that I need the money by a certain date to fulfill loan requirements. It frees me up to have more play with the market, holding off a little longer than if I needed to pay a bill right away. For me, SECURE financing is a no-brainer."

Nathan Rowings, co-owner, Rowings Farms

Another one of my farmers, Denny Bell, took advantage of SECURE financing’s benefits for the first time in 2020. As he was planning his early seed order after harvest, Denny inquired about financing options. I introduced SECURE, and Denny was excited by the option to hold off repayment until February of 2022 to take advantage of tax benefits.

"I’m able to get the early-season discount on my inputs, but holding payment until February gives me some flexibility from a tax perspective."

Denny Bell, owner, TerreMax Farms

Simple savings for your farm

SECURE financing has made doing business simpler for me and for my farmers. I’ve seen a lot of financing programs over the years, but there are a few things that set the SECURE program apart from the rest: measurable cost savings, a simple application process and flexibility to meet a farmer’s needs.


Cost savings

  • Attractive interest rates from 0–2% for qualified operations can save farmers thousands of dollars each year.

  • SECURE can be used in tandem with prepay and early-order discounts.

  • SECURE negates the need for cash upfront on postharvest purchases.


Simple application process and funding

  • Farmers can apply for seed, crop protection and crop nutrient financing in one convenient application.

  • The application process is simple and requires less paperwork for approval than some other ag loans.

  • Loans are approved quickly so timely purchases can be made.


Flexibility to match your operation’s needs

  • Extended payment terms allow for repayment at the end of the year or the beginning of the next calendar year.

  • Flexible repayment allows farmers more options for grain marketing and the potential for tax benefits.

  • SECURE financing allows farmers to purchase the best products for their operation from WinField United and partner brands rather than requiring purchases exclusively from one manufacturer.


If you’re working to finalize input decisions for 2021, keep in mind that there’s still time to take advantage of SECURE financing. Contact your WinField United retailer for more information and to enroll.


All photos are either the property of WinField United or used with permission.


Important: Before use always read and follow label instructions. Crop performance is dependent on several factors many of which are beyond the control of WinField United, including without limitation, soil type, pest pressures, agronomic practices, and weather conditions. Growers are encouraged to consider data from multiple locations, over multiple years, and be mindful of how such agronomic conditions could impact results.


© 2021 WinField United. SECURE™ and WinField® are trademarks of WinField United.

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