Interesting idea. We don't have the delivery issue up here (we bring grain to the elevator and can receive payment almost anytime) but we still cover all expense of production up front, then receive payment once the grain is sold.

This is done by taking traditional bank loans, called operating loans, at an average interest rate. I assume it's the same for produce farmers, but 1-4% that ProducePay charges would be lower than the bank loan.

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