Every agricultural operation has unique financial challenges and solutions.

By offering custom loan structures tailored to unique needs, AgAmerica takes a farmer-first approach to financing that helps clients reduce burdens, build liquidity, and reinvest in their future. 

The Challenge 

 A family-owned cattle ranch in Nebraska was facing rising financial pressure after accumulating multiple loans with higher interest rates. Managing several loans tied to the property left the rancher with elevated payments and limited cash flow. While the loan structure worked at the time, it was now restricting the operation’s ability to reinvest in land and cattle. To preserve long-term stability and unlock greater financial flexibility, the borrower returned to AgAmerica to explore their options.  

The Solution 

Due to their excellent record as a borrower, AgAmerica was able to fast-track a solution through the accelerated land loan program and consolidate the existing loans into a custom financing package with more favorable terms. This refinance reduced their interest rate by more than 100 basis points while also providing a cash-out for immediate liquidity relief. Through this new structure, the borrower lowered their annual interest payments by roughly $20,000. Because of their proactive financial planning, the rancher now had the stability and capacity to put savings back into the operation. 

Interested in taking a proactive approach to your operation’s financial future as well? Contact us today to learn more about AgAmerica’s financing solutions. 

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