The Drawbacks to 100% Farm Loan Financing

Are zero money down land loans a strength for American agriculture, or a weakness?

Zero down financing is a loan product that involves the financier to fund the full amount of the desired purchase without an initial down payment from the borrower. Although an attractive option for borrowers with limited cash flow when embarking on a new land investment endeavor, strings are frequently tucked into the fine print of these types of products and are a rarity among land loans. In fact, land and residential financing are commonly viewed the same yet carry distinct differences.Read More

Economic Update Part Two: COVID-19 and U.S. Agriculture

American farmers and ranchers continue to adapt to a rapidly changing economic landscape.

As the historic events of 2020 unfold, AgAmerica’s Chief Economist Dr. John Penson has actively monitored the ongoing economic developments and their potential impact on U.S. agriculture.

Our Commitment to the American Farmer

When farms thrive, we all do.

For the second consecutive year, AgAmerica is honored to have made Inc. Magazine’s INC 5000 list. This year we’ve ranked #1498 with a growth rate of 294 percent among 5,000 of the fastest-growing privately held companies in the U.S. In our mission to serve the American Farmer, our team has witnessed substantial growth in both talent and volume. AgAmerica has continued to expand in order to better assist those who keep our world sustained, leading us to once again rank in INC. 5000’s list.

The Fundamentals of Farmland Ownership

Is rural real estate a good investment?

The volatile economic climate of 2020 has many farmers, ranchers, and landowners looking to secure their financial portfolio with low-risk investments rather than gambling collateral on high-risk stakes. Through COVID-19, rural real estate has consistently stood out as an outlier compared to the ups and downs of commercial, residential, and stock market investments.

Restructuring Farm Debt

Create financial stability in lean economic times.

In uncertain times, farmers and ranchers who are proactive about their financial situation are more apt to be able to play offense when the tides shift and new opportunities emerge. Liquidity is essential in maintaining the success of an agricultural operation but can prove difficult to obtain when you find yourself overleveraged and unable to stay ahead of a heavy debt load.

How Farm Finances Have Changed in 2020

Shifts in the Economic Landscape and Farmer Sentiment

At the start of 2020, sentiment among American farmers was generally optimistic. The first phase of the U.S.-China trade agreement was underway with the U.S.-Mexico-Canada agreement right behind it. Farmer sentiment reached a record high in February and Secretary Perdue stated that Market Facilitation Program (MFP) payments would likely not be needed this year.

Dr. Penson Economic Assessment Blog Header

Economic Update: The Impact of COVID-19 on U.S. Farming

How Has the Economic Landscape of U.S. Agriculture Changed Since COVID-19?

From labor shortages to volatility in commodity futures, the global impact of COVID-19 on U.S. agriculture has surfaced, but much remains clouded with uncertainty.

The State of Ag Lending During COVID-19

How Farmers Are Financially Preparing for the Future

AgAmerica CEO and President, Brian Philpot, recently discussed the changing economic landscape in agriculture from a financial perspective with the voices of the Global Ag Network, Delaney Howell and Mike Pearson. Below are some highlights from the podcast, including how to build working capital to cover input expenses through ongoing uncertainty.

Cash is King During Economic Uncertainty

Understanding how working capital can cushion your operation during a volatile economy.

COVID-19 in the past month has uprooted millions of people across the nation affecting the way they live their lives and provide for their families. As the nation’s economy shakes with closures of non-essential businesses, lack of consumer spending and school closures playing a significant role in this, planning for the future of your farm operation when interest rates are low has never been more important.

Understanding Cash Flow and Why It’s Important for Your Farm Operation

Tools to Help You Evaluate Your Farm’s Working Capital.

Cash flow is the gross annual income a farm is able to generate throughout the course of a year. Understanding cash flow allows farmers to better assess the working capital in their operation.

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