The calendar year has never had much to do with farming.
Money goes out in spring. It comes back in fall, if the weather cooperates
and the market holds. Everything in between is carrying cost.
A lender who does not farm looks at that gap and sees a business in trouble. We look at it and see March.
We will ask about the year that went wrong.
Not to hold it against you. Every operation has one, and how you handled it tells us more than three good years in a row. We would rather understand it now than find it in the file later.
Ground, equipment, and a crop in the field represent real money at risk. Our insurance team looks at coverage alongside the loan, so the operation is protected the same way the collateral is.
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What We Finance
Purchasing or Expanding Farmland
Buying acreage, adding to what you already work, or moving ground to the next generation.
Seasonal Operating
Expenses
Seed, feed, fuel, fertilizer, and labor. The line that carries you from planting to harvest and resets every year.
Barns, Grain Bins,
and Storage
Buildings and infrastructure that let you hold the crop and sell it when you want to instead of when you have to.
What We Look At
Acres farmed, owned and rented. What you raise and how the rotation works. Three years of production history, including the year that did not go your way. Existing debt, equipment and operating lines included. Crop insurance and what it actually covers. Program participation. Off-farm income, if there is any.
Rough numbers are enough to start.
Your Best Business Infographic
Abbreviated six-step process, one line each, linking to the full version on the hub.
Deals we have done
Same lenders, and almost no two of these follow the same structure. We changed names and rounded figures to protect our customers. Everything else happened.
Deal Snapshot Here
Two of our four lenders carry ag titles.
That is not a coincidence in a market like this one. Call and ask what they have financed that looks like your operation.
Call in the winter.
The best time to talk about an operating line is months before you need it, when nobody is in a hurry and the shop is quiet. By April everyone is calling at once.
Ten locations across Northeastern Wisconsin. Find the one nearest you, or call a lender directly.