Input Financing Program FAQs
The Heritage Cooperative Input Financing Program allows you to finance your fall, spring and summer crop input purchases. You can also finance your agronomy prepay purchases from Heritage Cooperative. Eligible charges are between September 1, 2025 through August 31, 2026. Due date for submitting an application is February 28, 2026.
We’ve added a limited-time 0% interest offer to reward early decision-making:
• 0% interest on purchases made between September 1, 2025 and December 31, 2025
• Applies to prepay and invoiced purchases of seed, fertilizer, crop protection products, and other eligible items
• Designed to reward early prepay and fall application commitments
• Only purchases made during this promotional window qualify—no exceptions
Your financing rate from January 1, 2026, onward is based on the percent of your corn and soybean acres planted with Heritage-supplied seed. All seed orders must be confirmed by January 15, 2026. Rate tiers are as follows:
| TIER | RATE | DUE DATE |
| Platinum | Prime minus 4% | January 25, 2027 |
| Gold | Prime minus 2% | January 25, 2027 |
| Silver | Prime | November 25, 2026 |
| Bronze | Prime plus 3% | November 25, 2026 |
Inputs for raising all your crops crops are covered. This includes seed, fertilizer, lime, chemicals, power fuel, soil testing, DEF, Lubricants, GPS services, custom application, delivery and equipment rental charges. Non-crop inputs, such as feed, are not included in this program.
The prepaid or cash price in effect at the time of billing will be used for products, and the regular price will be used for services such as custom application, delivery or equipment rental.
Eligibility and rates are based on a combination of factors, including your committed purchase volume, confirmed seed orders, and creditworthiness. Final tier placement is determined by Heritage Cooperative following a full review of your application. Applicants who meet volume thresholds but present a higher credit risk may still be considered for financing at adjusted rates and/or conditions.
Yes. To qualify for Platinum or Gold tier rates, a seed order must be placed by January 15, 2026, and any prepaid pricing must also be funded against your input account by that date. Placeholder orders do not qualify. Accounts will be reviewed in January to verify seed commitments. If a qualifying seed order is not placed and funded, your financing rate will be adjusted retroactively to the appropriate Silver or Bronze tier.
Finance charges are calculated from the date of the invoice when the product is picked up or the prepaid price is locked in. Finance charges are not compounded.
The Heritage Platinum and Gold tiers are due January 25, 2027. The Silver and Bronze levels are due November 25, 2026.
The financing rate will be adjusted to the level that was met and made retroactive to the invoice date.
An application, balance sheet, and tax return will be required in all cases, and in some cases, a crop lien and crop insurance.