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Cash Advance

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What is a cash advance?

The Advance Payments Program (APP) cash advance from CCGA offers short-term financing that supports the working capital needs of your farm. Reduce your borrowing costs and enhance your marketing plan with this flexible cash flow tool that’s become an integral part of thousands of farmers’ annual plans.

A cash advance offers farmers up to $1,000,000 in working capital financing:

  • Up to $250,000 interest-free in 2024;
  • Interest-bearing portion at prime rate less 0.25%;
  • Financing for 50+ commodities, including field crops, large and small livestock, organic commodities, and honey.

The Advance Payments Program is a federal program administered by Canadian Canola Growers Association.

Quick links
How to Apply
Application Forms
Advance Rates
Dates & Deadlines

Benefits of a cash advance from CCGA

With four decades of cash advance experience, our team is focused on serving farmers. We listen and use that feedback to continuously improve, always striving to make cash advances more accessible and more convenient for farms of all sizes.

  • One stop: Apply on more than 50 commodities on a single application.
  • Exceptional value: Our interest-bearing rate is always below prime.
  • Expertise: Knowledgeable staff offer top-notch service.

CCGA: Helping Farmers Succeed for 40 years.

Graphic: $1,000,000 available to all farmers, up to $250,000* interest-free
Image of CCGA employee working with a farmer

Farmer-friendly financing

Designed for farmers. The Advance Payments Program was created for Canadian farmers as an accessible financing option that can help cover costs, manage market fluctuations, and give farmers more time to make business and marketing decisions.
 

  • Reduce your short-term financing costs. Our blended interest rate can save on interest costs compared to other financing options.
  • Sell when the time and price are best. The cash flow from an advance can help take care of your short-term financing needs, giving you time to market.
  • Flexibility. Put your cash advance to work in whatever way makes the most sense for you and your operation, including operating expenses, maintenance, wages, buying inputs, and more.
  • Borrow with minimal collateral. Just starting out on the farm? No problem. Your commodity is your security, along with crop insurance or AgriStability for unharvested crops or livestock.

How to apply

CCGA offers farmers several ways to apply, including:

Online icon

Online: if you are an existing CCGA cash advance customer, sign in to your online account.

Phone icon

Call 1.866.745.2256, option 1.

Download icon

Download and fill in an application form.

Image of farmer on talking on phone and looking at computer

How to repay

Repaying an advance differs from most types of financing – repayments aren’t scheduled by date. Advances are repaid as the commodities listed on the advance are sold. We call it “repay-as-you-sell”.

What farmers say

"All in all a great program with great people running the program. Staff is very helpful."
"You know that you give such top shelf service I can't think of any way you could make it better."
"Been very happy with the program so far. Gives me the ability to count on financing to help get through the crop year. Also been easier to apply the last 3 years which has made it easy to recommend to others."
"The service received is efficient, professional, and patient. It is very nice to talk to a human versus a machine when sorting something out. Your service is exceptional."
"CCGA continues to evolve and speaking for me personally the service I have received is outstanding."
"I find the CCGA cash advance program very beneficial to my operation. Overall the process of the advance is simple start to finish."

What's new at CCGA

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Let’s connect

Call us at 1.866.745.2256 or send us an email.