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Ag Valley Credit

Financing Built for You

Our goal is to strengthen your operation and help you build for the future. Through our credit offerings, we are dedicated to ensuring the financial success of our members. Our variety of options and service areas provide ample opportunity for profitability.

Financing Options

Simple Application | Quick Turnaround | $200 Fee

Agronomy, Energy & Feed:
7.00% ⟶ 8/15/26 | 8.50% ⟶ 2/15/27

Agronomy

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Energy

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Feed

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Save Time & Money with ACH

If you’re looking for an easier, faster and more reliable way to both receive and make payments, then the Ag Valley’s automatic payment and deposit plan is for you.

Our ACH program can be used for direct deposits or direct payments or both! For example, your grain settlements can be directly deposited into your bank account and/or the bills you designate are automatically paid from your account.

Credit Application

APPLICANT INFORMATION:

First Name

Last Name

Date of Birth

Doing Business As

Legal Entity

SSN/Fed Tax ID

Date of Organization

Address

City

State

Zipcode

County

Fax (if applicable)

Is Applicant tax exempt?

Phone

Please list ALL owners, principals, partners (limited and general), officers or members:

1) Name

1) Title

1) Full Address

1) SSN

2) Name

2) Title

2) Full Address

2) SSN

3) Name

3) Title

3) Full Address

3) SSN

4) Name

4) Title

4) Full Address

4) SSN

BUSINESS INFORMATION:

Number of years in business under current ownership:

Date of last financial statement provided:

Names of similar or related businesses in which you have or had any interest within the last 5 years:

1) Business Name

1) State

1) Status

2) Business Name

2) State

2) Status

3) Business Name

3) State

3) Status

CREDIT INFORMATION:

1) Bank Name

1) Bank Address

1) Bank Phone

1) Bank Fax

1) Contact Person

2) Bank Name

2) Bank Address

2) Bank Phone

2) Bank Fax

2) Contact Person

Has the Applicant or any owner, principal, officer, or any member been subject to any judgements, collections, liens, or unpaid taxes within the last 7 years?

If yes, please give details:

Has the Applicant or any owner, principal, officer, or any member filed for bankruptcy within the last 7 years?

If yes, please give details:

FINANCING DETAILS:

LAND: Present Value

LAND: Financed With

LAND: Total Amount Outstanding

BUILDINGS: Present Value

BUILDINGS: Financed With

BUILDINGS: Total Amount Outstanding

EQUIPMENT: Present Value

EQUIPMENT: Financed With

EQUIPMENT: Total Amount Outstanding

GRAIN: Present Value

GRAIN: Financed With

GRAIN: Total Amount Outstanding

LIVESTOCK: Present Value

LIVESTOCK: Financed With

LIVESTOCK: Total Amount Outstanding

OPERATING LOAN: Present Value

OPERATING LOAN: Financed With

LOAN: Total Amount Outstanding

How much is your TOTAL debt to all collectors?

Do you have sources of income other than through the business described above?

If yes, from what source/s? Please include $ amount paid per pay-period for each source.

CREDIT REQUEST:

LIMIT: (terms are net 10 of following month)

SALES TERMS & CREDIT AGREEMENT:

All sales made by Ag Valley Cooperative, Nonstock, (Edison, Nebraska) (the "Cooperative") to the Applicant are due and payable upon delivery whether to Applicant or to an applicator on behalf of Applicant, except for sales on accounts which have established a cre credit relationship with the Cooperative ("Credit Sales"). Applicant agrees and acknowledges that delivery of goods and/or services (collectively "Products") to a representative, agent or applicator is deemed to be a delivery to and acceptance by Applicant. Unless other written documents signed by the Cooperative state otherwise, all Credit Sales are due and payable in full within 30 days of the date of the invoice. No terms or conditions of any sale different from the Cooperative's terms of sale will become part of any agreement unless approved in writing by the Cooperative. A finance charge of the lesser of 1.333% per month (16% Annual Percentage Rate) or the highest amount permitted by applicable law may be assessed against sales which have not been timely paid. Applicant agrees that all other terms and conditions of sale shall be governed by the Cooperative's bylaws, credit policies, invoice, or other documents which may be sent to Applicant after delivery of the Products. For those accounts which incur finance charges, the Cooperative may apply payments or credits first to finance charges and subsequently to outstanding invoice balances at the discretion of the Cooperative.

Upon the Cooperative's approval, the Cooperative will assign Applicant a maximum credit amount ("Credit Limit"). Applicant agrees to provide the Cooperative with a current financial statement, upon the Cooperative's request, which Applicant represents accurately states Applicant's financial condition as of the date of such financial statement and Applicant understands that the Cooperative will rely on the accuracy ofthe financial information in deciding to extend credit and set a Credit limit. Should the account balance exceed any established Credit Limit, liability for payment additionally extends to the entire balance. The Cooperative has the right to reduce the Credit Limit and/or withdraw credit under this Credit Agreement at any time without prior notice, except as otherwise provided by the law. The Cooperative reserves the right to revoke credit or demand full payment if Applicant fails to pay when due or, if in the sole discretion of the Cooperative, there has been an adverse change in buyer's ability to repay credit extended by the Cooperative, whereupon the Cooperative shall have the right to demand payment or other assurance which is deems adequate, and the Cooperative is hereby authorized to file any lien available to vendors and/or applicators of Products in the manner provided by applicable law notwithstanding the terms of agreements between Applicant and the Cooperative. The Cooperative does not waive its rights by accepting late payments.

This Credit Agreement shall be governed and construed in accordance with the laws of the State of Nebraska. If any provision contained in this Credit Agreement is determined by a court to be in conflict with applicable law, that provision shall be considered changed or omitted to conform to such law, but all other provisions of this Agreement shall remain in full force and effect. Nothing in this Agreement shall be deemed to limit the Cooperative's collection rights or remedies. Applicant agrees to pay reasonable attorney fees and costs of collection. THIS CREDIT AGREEMENT, INCLUDING ANY COLLECTION ACTIONS, AND PRODUCT EFFICACY CLAIMS, MAY BE ENFORCED IN ANY COURT OF APPROPRIATE JURISDICTION SITTING IN FURNAS COUNTY, NEBRASKA AND APPLICANT WAIVES ANY ARGUMENT THAT SUCH FORUM IS NOT CONVENIENT. TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, THE COOPERATIVE AND APPLICANT WAIVE THEIR RIGHTS TO ANY JURY TRIAL WITH RESPECT TO ANY LITIGATION ARISING UNDER OR IN CONNECTION WITH THIS CREDIT AGREEMENT WITH CREDIT SALES BETWEEN APPLICANT AND THE COOPERATIVE. Applicant agrees to be bound by the terms of the warranty limitations and the disclaimers contained on any product labels and invoices. APPLICANT UNDERSTANDS SUCH DISCLAIMERS LIMIT ANY RIGHT TO A REFUND OF THE PURCHASE PRICE OR APPLICANT'S OBLIGATION TO REPAY CREDIT EXTENDED BY THE COOPERATIVE FOR ANY PORTION OF THE PURCHASE PRICE, AND APPLICANT AGREES THIS IS A REASONABLE LIMITATION. Applicant also acknowledges that the Cooperative assumes no duty to Applicant in the event that any of its representatives make a recommendation as to the selection, application or use of a Product and that any such recommendation is without consideration and informational only. Applicant shall be solely responsible for the ultimate selection, application or use of all Products purchased from the Cooperative. Applicant represents to the Cooperative that it intends to use Products financed by the Cooperative under this application and Agreement in Applicant's business operations and not for personal, family or household purposes.

The undersigned, being either the Applicant or an individual authorized to act on behalf of the Applicant, offers this information to the Cooperative to induce consideration for credit. The undersigned hereby acknowledge and agree to all terms and conditions ofthis Credit Application and Agreement and to the Cooperative's bylaws and credit policies, as amended from time to time. The undersigned certifies the information submitted is true and correct, and authorizes the Cooperative to verify any informat deemed necessary to make a credit determination. The Applicant further authorizes the Cooperative to request and obtain a соpy of the Applicant's most recent financial statements, if available, from its bank, other agency, or accountant to support application information. THE UNDERSIGNED INDIVIDUAL WHO IS EITHER A PRINCIPAL OF THE APPLICANT OR A SOLE PROPRIETOR, RECOGNIZING THAT HIS OR HER INDIVIDUAL CREDIT HISTORY MAY BE A FACTOR IN THE EVALUATION OF THE CREDITWORTHINESS OF THE APPLICANT, HEREBY CONSENTS TO AND AUTHORIZES THE USE OF A CREDIT REPORT ON THE UNDERSIGNED BY THE COOPERATIVE, FROM TIME TO TIME AS MAY BE NEEDED, IN THE CREDIT EVALUATION PROCESS. The undersigned, on his/her own behalf and on behalf of the Applicant, hereby authorizes the Cooperative to provide a copy of this Agreement to such parties as evidence of Applicant's consent to release of such information.

INDIVIDUAL GUARANTY FOR ENTITY DEBT:

The undersigned individual guarantor(s) hereby personally and unconditionally guarantee the payment and performance of all indebtedness and obligations due and owing the Cooperative by the Applicant. The undersigned further agrees to pay all ofthe Cooperative's costs of collection, including reasonable attorneys fees if allowed under applicable law, in endeavoring to collect or enforce any of Applicant's obligations. Guarantor(s) further authorize(s) the Cooperative to obtain any and all credit or asset report(s) on guarantor(s). The Cooperative shall not be required to first proceed against the Applicant on any past due obligations; this guaranty being absolute in respect to prompt payment. The undersigned charges his/her separate property which is now owned or hereafter acquired, and waives notice of granting of credit from time to time by the Customer to the Applicant as well as waives notice of any nonpayment by the Applicant of accounts when due. This guaranty shall continue indefinitely and nothing shall affect the liability of the undersigned except written notice ofthe discontinuance thereof, but such termination shall not affect then existing obligations of the Applicant and the liability of the undersigned with respect thereto shall continue and be binding upon his/her heirs, administration, successors, and assigns. The undersigned personal guarantor(s), recognizing his or her individual credit history may be a necessary factor in the evaluation of this personal guaranty, hereby consent(s) to and authorize(s) the use of consumere credit report on the undersigned by the Cooperative, from time to time as may be needed, in the credit evaluation process.

APPLICANT AGREEMENT:
By typing your name below, you are signing your agreement to the terms on this page.

Applicant Signature

Applicant Title

CO-APPLICANT AGREEMENT:
By typing your name below, you are signing your agreement to the terms on this page.

Co-Applicant Signature

Co-Applicant Title

If you have any questions, feel free to email us.