Providing effective, innovative and competitive financial solutions to Canadian agriculture by empowering people, building relationships and leveraging technology.

ADVANCE PAYMENTS PROGRAM

The Advance Payments Program (APP) is a Government of Canada program which supports the provision of cash advances to producers across Canada.

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COMMODITY LOAN PROGRAM

The Commodity Loan Program (CLP) was developed in 1992 to assist farmers in financing their crop planting, cultivating, and harvesting expenses in Ontario.

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What our clients are saying...

"By taking advantage of the APP we were able to dramatically reduce our bank and trade debt and save thousands in interest and fees....and ACC staff was there with timely advice as we re-structured. Our COGS is down with targeted production made possible by APP funding. ACC staff make the application process smooth and professional. They are a pleasure to work with!"

Brent Mooney

Langley, British Columbia

"It is so much easier now that[sic] years in the pass[sic]. It is awesome that it has come this far to making farmer life's easier to get the paper work done. Thank you again for you awesome help that only took two minutes to complete."

Kellylane Holsteins

Fenwick, Ontario

"Having utilized the $100,000 Interest Free portion of the Advanced Payments Program administered by ACC for the past number of years, I am able to market my crops in a manner to maximize MY financial bottom line. The fee is negligible especially now that I can roll harvested crop into the Storage portion of the program ‘fee free’ also! New changes with multi-year applications make this a no-brainer for any serious grain and oilseed producer."

Steve Twynstra

Ailsa Craig, Ontario

"I like borrowing from ACC because it is so convenient for me. I phone my acreages to ACC, tell them my production insurance yield, fax my witnessed signature and in a couple of weeks the money is in my bank account. That simple!"

John Gillespie

Ayr, Ontario

“I really love this program…Even if you go over the interest-free it's still a good [interest] rate...I can increase my operation 30% almost per year now!"

Kolkman Grains & Oilseed Ltd.

Monkton, Ontario

"I believe that ACC’s Commodity Loan Program and Advanced Payment Program products can be valuable tools for Canadian producers to manage cash flow and optimize the profitability of their farms."

Michael Hoffort

President & Chief Executive Officer, Farm Credit Canada

Associated Organizations

Recent News

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Government of Canada further increases interest relief to help producers manage financial challenges

May 10, 2023 | In recognition of the significant financial challenges facing Canadian producers, the Minister of Agriculture and Agri-Food, the Honourable Marie-Claude Bibeau, today confirmed that the interest-free limit of the Advance Payments Program has been increased from $250,000 to $350,000 for the 2023 program year, effective May 8, 2023. This is the portion of advances on which the Government of Canada pays the interest on behalf of producers.

ACC’s New Initiative

Nov 8, 2022 | Dear valued customers, In order to ensure that ACC continues to leverage technology to the fullest extent, as of November 2022 ACC will be implementing a new loan software system for the 2023 program year. During this implementation we ask for your patience and support through this transition period. Thank you for your cooperation.

Government of Canada Announces Interest Relief for Agriculture Producers

Jun 23, 2022 | Today, the Minister of Agriculture and Agri-Food, the Honourable Marie-Claude Bibeau, announced that the interest-free portion of the Advance Payments Program will increase from $100,000 to $250,000 for the 2022 and 2023 program years.