Learn how farmers are using AgAmerica’s flexible loan programs to adapt their operations and face challenges head on.  

Agriculture is a forever evolving industry. Farmers are experts at reading the market and knowing when to sit tight or adapt their operation to meet shifting demand. At AgAmerica, we believe that their financing should provide enough flexibility to allow them space to grow in the best way they see fit. 

The Challenge

A dairy farmer in the Delta region of the U.S. who endured extended periods of low milk prices was interested in shifting his farm to a cow-calf operation. However, his current lender financed dairy farms exclusively. Realizing he needed a lender who could support this transition, he began searching for an alternative solution until he came across the AgAmerica website.  

The Solution

To provide a solution that fit the borrower’s unique needs of transitioning his operation, AgAmerica created a custom loan package totaling $450K that was divided into two parts. The first part was a term loan to refinance his remaining debt from his previous lender. The second part provided the borrower with a revolving line of credit to support the upfront cost of transition. Through the AgAmerica Pivot™ program, the borrower selected interest-only payments for three years to keep overhead low while he capitalized his cow-calf operation until he was ready to refinance to more conventional terms.  

Contact Us