How to Improve Your Credit Score Before Applying for an Ag Loan

Check out our tips for getting a higher credit score.

Your credit score–the three-digit number that relates to how likely you are to repay debt—is an important aspect of your financial future. After all, it determines whether you receive the loan you’re applying for and the rates you’ll pay. According to the financial experts at Nerd Wallet, the lifetime cost of higher interest rates from bad or mediocre credit can exceed six figures. On the other hand, borrowers can leverage strong credit scores for fantastic deals on loans, credit cards, and insurance premiums.

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4 Key Business Relationships to Have in Your Inner Crop Circle

How To Help Your Farm Thrive in 2019

Find out how working with trusted ag lenders, crop consultants, insurance agents and attorneys can help your farm thrive.

Running a modern agricultural operation requires a diverse range of skills, including, but not limited to crop planting and management, soil fertility maintenance, financial planning and business expertise, sales and marketing know-how, and preparing for an uncertain future.

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What to Consider When Purchasing Farm Equipment and Machinery

Investing in farm equipment & machinery

Here are a few things to keep in mind when investing in new equipment for your farming operation.

Although they’re often necessary, it’s no secret that new farm equipment and machinery purchases are typically costly – but according to retired economist William Edwards, making smart decisions when it comes to acquisition, trading, and how much capacity to invest in can reduce machinery costs as much as $50 per acre.

In this article, we discuss a breakdown of farm machinery and equipment costs and whether or not those purchases will truly serve you and your operation.Read More

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How to Create a Long-Term Business Plan for Your Farm or Ranch

Discover the steps to writing a business plan designed to help you reach even the loftiest of goals.

Whether you’re launching a farming or ranching business or interested in taking your existing operation to the next level, it’s smart to create a long-term business plan to ensure you’re on the right track – after all, if you do it right, your business plan will be your roadmap to where you want to go.

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Year-End Tax Tips for Farmers and Ranchers

Discover 8 tax tips for the new year.

As the end of the year approaches, it’s the perfect time to begin organizing your receipts and financial paperwork to prepare for the upcoming tax season. The tax filing deadline for Federal Income Tax Returns is Monday, April 15, 2019.Read More

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3 Steps to Prepare Your Agribusiness for 2019

Is your agribusiness ready for the new year?

As 2019 approaches, don’t miss the opportunity to prepare your agribusiness for the new year. Whether you want to diversify or grow your operation in the upcoming year, taking a step back and assessing your operation and its long-term financial health is a critical step in planning for the new year. Here are three key steps you can take to prepare your agribusiness for year-end and kick-off 2019 on the right foot.Read More

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Get to Know AgAmerica’s Closing and Servicing Team

Learn more about what closing loans and loan servicing means to our team and your operation.

AgAmerica’s lending process offers borrower a unique experience from beginning to close. We understand the agricultural land loan process can seem daunting and that’s why we have instituted one team to guide you through the process, ensuring our custom loan package meets the needs of your operation. A critical part of this team includes our closing and servicing team members who are focused on making the loan closing and servicing process timely and efficient for all involved.Read More

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3 Tips for Buying a Ranch Farm

Learn how to mindfully approach choosing and purchasing a ranch farm

Owning a ranch farm can be a very exciting and fulfilling experience, especially for those looking to pass the ranching traditions on to the next generation. However, it’s not an investment to be taken lightly — owning a ranch comes with a lot of responsibility.Read More

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