Sep 2, 2025
Return® and Growers Edge relaunch Fast-Track Financing with 0% interest, revolving credit, and no payments until 2027.
Return®, a Midwest-based organic input supplier known for helping farmers get more from their soil and their spreadsheets—is reintroducing its Fast-Track Financing program in partnership with Growers Edge. The upgraded offering now includes a full rate buydown, eliminating all interest charges through maturity.
This year’s program also offers a revolving line of credit structure—meaning growers can borrow, repay, and re-borrow funds throughout the life of the loan. It gives farmers greater control, flexibility, and cash-on-hand—especially critical when input prices are volatile and when planning around multi-year borrowing strategies.
Starting this fall, qualifying growers can finance Return’s soil-health inputs—like poultry litter fertilizers—without paying a dime in interest. That’s up to 16 months of working capital flexibility until January 2027.
The updated program builds on last year’s rollout, which offered rapid credit approvals and a fully digital experience.
But this year’s version goes further by addressing direct farmer feedback: eliminate the interest. So Return did just that—covering 100% of the interest cost on behalf of its customers.
“Revolving credit isn’t new, but in agriculture it’s rarely offered with input financing,” said Arlen Stark, Chief Financial Officer at Return. “The fact that we’re pairing it with a full interest buy-down means growers can think longer term—strategizing across multiple seasons instead of worrying about locking into a rigid, one-and-done loan.”
The fully digital process includes secure steps like DocuSign, Digital ID, and ACH transfers—with most loans funded within 1–2 business days.
This financing option is also backed by by Evergreen Bank Group, a division of Old Second National Bank and Agri Access, a division of Compeer Financial—giving growers added confidence that the program is supported by some of agriculture’s most trusted lending partners.
Applications will be accepted from September 1, 2025, through August 31, 2026.
Fast-Track Financing, Built for Ag
0% Interest Through Maturity: Full rate buydown—Return covers all the interest
Revolving Input Credit: Flexibility to borrow, repay, and re-borrow throughout the loan term
No Upfront Payment: Approved funds go directly to Return. No out-of-pocket costs until maturity
Apply in Minutes: Mobile-friendly application, most credit decisions in minutes
Simple Repayment: Due January 15, 2027—by check or online via Agri Access
Backed by Trusted Names: From Agri Access to Growers Edge to Return
“Times are tight for a lot of farmers,” said Andy Flores, Business Development Director at Growers Edge. “With prices low and costs high, cash flow is stretched. No interest and no payments until after harvest means you can get the inputs you need now and settle up when the crop’s in—without putting extra strain on your operation.”
Media Contacts Kasi Martin, media@returnco.com Matt Cook, matt.cook@growersedge.com
About Return®Founded in 2008 and headquartered in Stewartville, MN, Return is a farmer-first ag business with deep Midwestern roots. We’ve supplied good-for-the-earth growing products to over 500,000 acres of U.S. farmland—helping growers improve soil health, drive ROI, and steward their land for the next generation.
With a product line built around sustainable, soil-health focused inputs, Return makes it easier for farmers to strengthen yields while protecting what matters most: their soil, water, and community. As a certified B Corp™, we’re committed to doing right by people, planet, and the farm economy.
Learn more at https://www.returnorganics.com
About Growers Edge Growers Edge provides modern financial products and data-driven tools that help forward-thinking agriculture retailers, manufacturers, and lenders reduce their growers’ risks and costs when adopting newer innovative solutions and practices. The company’s crop plan warranties and input financing solutions are trusted by dozens of retailers and manufacturers to assist hundreds of growers affordably purchase their products and guarantee yields on over one million acres of cropland.
Learn more at https://www.growersedge.com