The economy isn’t doing farmers any favors right now. Fortunately, AgAmerica is here to help.  

With our deep roots in the agricultural community and a commitment to innovative financial solutions, AgAmerica is dedicated to helping American farmers, ranchers, and landowners overcome the obstacles of today and tomorrow to achieve their operational goals. 

The Challenge  

A farmer in North Carolina who grew up immersed in farming through his father was beginning to feel the pressure of his total debt obligation given current market conditions. He was juggling loans with multiple creditors that were cross-collateralized by his house. His goal was to consolidate these debts into a single payment, reduce his overall payments, and free his home from farm-related financial obligations. Given the tight margins in today’s farming environment, he needed a solution that many lenders were unwilling to provide due to the complexity of his request. 

The Solution  

Hearing his situation, the farmer’s fertilizer company recommended AgAmerica to help. He reached out to us to learn more about our financing options and was connected to a local financial specialist in his area who had also grown up in the Carolinas farming with his family. After taking the time to understand his unique situation, our team crafted a custom solution to meet his needs through the AgAmerica accelerated loan program. Through this expedited financing option, the borrower was able to: 

  • Pay off all creditors. 
  • Release his house from the farm debt. 
  • Free up crops, equipment, and livestock from cross-collateralization. 

By consolidating his debts, the farmer created a clear separation between term debt and operating debt, simplifying his financial management. Because of this restructuring, he was able to secure a traditional operating note and significantly improve his farm’s financial stability. 

If you’re facing similar challenges or need flexible financing options to support your agricultural operation, connect with AgAmerica today. We’re here to help you achieve your farming goals and secure your farm’s financial future. 

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