Farming is one of the most capital-intensive businesses in Canada. Seed, fuel, fertilizer and land costs go out months before crop revenue comes in. And while yields and markets can fluctuate, input costs are constant and high.
That’s why cash flow strategy matters as much as production strategy. In the final presentation of our Roots to Results Webinar Series, Manitoba Crop Alliance (MCA) COO Darcelle Graham shared how an Advance Payments Program (APP) cash advance from MCA can serve as a practical, flexible tool to strengthen marketing power and reduce borrowing costs.
Turn Cash Flow Pressure into Marketing Power
The APP provides access to capital based on up to 50 per cent of your anticipated or stored production value. That means you don’t have to sell grain just to cover spring bills.
Implementation
Map out your 12- to 18-month cash flow needs. If input or rent payments are driving early sales, consider whether an advance could bridge the gap and let you market when prices improve.
Capture Interest Savings That Stay on Your Farm
The federal government covers the interest on the first $100,000 advanced (or up to $500,000 for canola only in 2026). That can translate into thousands of dollars in savings compared to traditional borrowing.
Click here to see more...