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Pre-Pay Advantage

Since 2010, Pre-Pay Advantage has evolved to meet the needs of our co-op members.
Access cashflow when you need it.
Applications open 13 January - 30 September 2025.
Apply Now Request a call
Two men in blue shirts standing in paddock inspecting crop

Are you?

  • Looking to fund this year's crop, without tying up your land as security?
  • Looking to apply additional inputs to your crop, but lacking funds?
  • Experiencing some unbudgeted expenses?
  • Keen to upgrade equipment in preparation for harvest?
  • Interested in having access to cashflow without having to commit to grain sales?

Pre-Pay Advantage could be just what you are looking for. Ready to learn more?

What is it?

  • Pre-Pay Advantage (PPA) is seasonal crop finance. Funds can be used for working capital to grow your crop
  • PPA is a pre-payment for grain, at an advance rate of $200 per tonne committed 
  • If approved, a prepayment facility is made available, which can be drawn down on request
  • You are required to deliver your committed tonnage to a CBH storage facility at harvest
  • You have until 31 July (after harvest) to repay the facility through grain sales to CBH
  • EFT repayment is also accepted during or after harvest, if a CBH grain sale doesn’t work out

Key features

  • Flexibility to market grain your way
  • Competitive variable interest rates from 6.49% pa
  • Loan drawdowns can be accessed online during the growing season/before harvest.
  • Easy repayments via grain sales to CBH or EFT repayments at harvest
  • Surplus committed tonnes released to you when facility is repaid
  • Applications can be made in LoadNet
  • Fast turnaround times from submitting application to approval
  • Can help safeguard your business against unexpected costs or cashflow issues

How it works

Three easy steps

  1. Apply and submit for credit assessment in LoadNet
  2. Draw down funds for use in your cropping business
  3. Repay seamlessly from grain sales, or via EFT from harvest
Apply now

FAQs

The details

  • How does PPA work?
  • Is there a minimum application size?
  • What fees and charges are there?
  • How much money can I access?
  • Why is the advance $200/t for all commodities?
  • Will this affect my relationship with my bank?
  • What security does CBH require?

The process

  • How do I apply and what information is required?
  • How long does it take to process my application?
  • What are my repayment options?

Terms and conditions:

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