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Texas Landowner Increases Cash Flow with $2.5MM Refinance

Learn how this ranching family improved liquidity for their multigenerational cattle and cotton operation. 

Family farms are the fabric of American agriculture—each one carrying generational stories that are interwoven into its legacy. Nearly 98 percent of U.S. farms are family-owned and operated. A key part of their future success is flexible financing that supports succession planning for multigenerational operations. 

The Challenge 

AgAmerica was approached by a fourth-generation Texas rancher who had worked alongside his father on their family ranch since 1992. His father was the son of a World War II veteran and had dedicated his life to their farm and family. Their family operation had transformed over the years from a small cotton farm established in the 1920s into a diversified row crop and cattle ranch spanning nearly 5,000 acres. After his father passed in 2020, the Texas rancher and his mother took on managing the operation. As the time neared for his mother to fully retire, they looked to restructure their farm debt in a way that supported a smooth transition.  

The Solution 

AgAmerica worked with the family to organize and consolidate existing farm debt into a short-term facility with interest-only payments for three years. This debt restructuring not only simplified the family’s total financial obligation, but it also increased liquidity for their farm to make it even stronger going forward. By improving immediate cash flow, the family gained greater control of their operation’s financial future while setting the stage for a more conventional long-term structure in the coming years.  

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AgAmerica - An Equal Opportunity Lender

AgAmerica Lending® LLC is a licensed mortgage lender. NMLS ID# 372267

Copyright AgAmerica® LLC 2022. All Rights Reserved.