Return®, a Midwest-based supplier of poultry litter and nutrient products, 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 when input prices are volatile and when planning around multi-year borrowing strategies.
Starting this fall, qualifying growers can finance Return's nutrient inputs — including poultry litter products — 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. 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 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. 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.”