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3 Looming Factors for Farm Financial Health as 2019 Winds Down

By Conterra Ag
October 22, 2019
Category: Ag Financing

With last week's release of the latest Beige Book, the summary of commentary on current economic conditions in each of the nation's 12 Federal Reserve districts, Fed officials painted a picture of gradual financial attrition for ag producers in each district. But the data may not paint the full picture of the impact of declining markets. Loan delinquency, machinery financing and the ongoing trade dispute are three big factors to watch in the near future as ag producers wrap up 2019 production. 

 

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Tags: Fed Beige Book Machinery Financing Trade disputes Tarrifs Ag Finance Loan Delinquency Agriculture Farming Federal Reserve
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DON’T LET OPTIMISM GET IN THE WAY OF GOOD FINANCIAL DECISIONS

By Conterra Ag
September 27, 2019
Category: Ag Financing

Farmers are eternal optimists, and rightfully so. Raising a crop takes a lot of hope. Planting a seed in the ground, tending it for months — through sometimes impossibly challenging weather and environmental conditions — and expecting a bountiful crop takes both a diverse skillset as well as the right mentality. Optimism is almost a pre-requisite for being a successful farmer.

 

But when times are tight and markets strain revenue potential, this mentality sometimes can be harmful. Sure, ti... Continue reading

Ag Barometer
Tags: Ag barometer ag financing agriculture ag lending conterra agribusiness farming ranching dairy farming CBOE VIX
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FINANCING FARMLAND

By Conterra Ag
September 06, 2019
Category: Ag Lending

Financial awareness and adaptability are important to ag lenders.

 

In a challenging marketplace like the one grain farmers have faced in the last few years, expanding an operation by adding acres can be tough, especially for young or less-established farmers. Even when markets are more bullish, competition can keep some buyers on the sideline when a nearby 40-, 80- or quarter-section of land becomes available.

 

No matter the dynami... Continue reading

BUYING FARMLAND? HERE ARE THREE TIPS TO GET IT FINANCED
Tags: buying farmland farmland lending ag agricultural lending ag lending ag finance agribusiness purchase land
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CREATING A LONG-TERM BUSINESS PLAN

By Conterra Ag
August 11, 2019
Category: Ag Financing
Ask the right questions and think like a lender when assessing your business’s viability.

 

Planning ahead is a critical component of any successful ag venture, from the smallest farm to the largest agribusiness. Though it’s important to think ahead in the short-term to help guide effective day-to-day work and decision-making, it’s even more imperative to plan for the long-term success of a farm or ag business.

 

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THREE STEPS TO A SOLID LONG-TERM PLAN FOR YOUR OPERATION
Tags: Agribusiness Business plan farm business ag lending farming ag business
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KNOW YOUR CREDIT SCORE

By Conterra Ag
May 28, 2019
Category: Ag Financing

It’s a simple three-digit number that can make a difference worth thousands of dollars in how you finance and manage your ag operation. Knowing your credit score is important; but even more critical is knowing how you can improve it. Improving your score can help in the long run so finance charges don’t add up and erode the revenue potential of your farm or ranch.

 

A credit score speaks to the management of both your business and your pers... Continue reading

Preferential financing options grow with stronger credit scores.
Tags: CREDIT SCORE Finances Ag Finance Agribusiness Credit Lending Ag Loan Ag Lending Agriculture Farming Farm Credit
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THE BENEFITS OF PLANNING AHEAD

By Conterra Ag
April 22, 2019
Category: Ag Financing

It’s a common refrain among too many farmers and ranchers today: “We know we need an estate plan, but we don’t have it yet. We’ll get to it one of these days.”

 

Often, “one of these days” never arrives, then an abrupt, unplanned change happens — a farm patriarch or matriarch passes away, a family divide develops, or the next generation steers away from taking the reins of the farm — and suddenly, you have a major problem. Changing family and business dynamics means you’re going to have to ma... Continue reading

5 tips to start your estate planning
Tags: Estate Planning Farmer Rancher Estate Retirement Trusts Ag Finance Finances Family Farming Taxes Death Tax Farming Agriculture
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How's Your Farm's Liquidity?

By Conterra Ag
March 19, 2019
Category: Ag Financing

A trio of factors continue to increase financial stress on a lot of farms around the U.S., though there are indicators of how much damage that stress is inflicting and what it means to future financial viability.

 

At the 2019 USDA Agricultural Outlook Forum in February, Economic Research Service (ERS) Economist Greg Lyons presented data showing how the seven-year downturn in grain markets is influencing key variables that indicate farm operations' financial strength — namely farm incomes,... Continue reading

Think short-and long term to strengthen your farm's financial footing
Tags: farming agriculture ag finance agribusiness usda ERS Data Greg Lyons Ag News interest rates grain markets
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