Financial Health Check: Farmland Financing

Interested in improving your operational finances but not sure where to start? The first of its kind, our complimentary health check service can point you in the right direction.

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Health Check

Your Composite Financial Evaluation

Your composite financial evaluation score represents a weighted average of four primary financial indicators.

Needle for the gauge chart indicating composite score

Current ratio

Extent to which current assets if liquidated would cover all current liabilities. The higher the ratio, the greater the liquidity.

Debt-to-asset ratio

Indicates the proportion of total assets owed to creditors. The higher the ratio, the greater the risk exposure.

Term debt coverage

Measure the ability to cover all term loans and capital lease payments.

FICO^® credit score

FICO^® credit score: Indicates how likely an individual is to repay and if payments will be made on time. The greater the score, the higher the credit rating viewed by a lender.

Insight for Improvement

Lenders often look to the Credit Scores as an earlier indicator of financial health and overall creditworthiness. Improving your score can take some time and planning, but often can be accomplished through strategic debt restructure and eliminating reliance on credit cards for working capital. AgAmerica may be able to assist through consolidating notes with large payments or providing an operating line designed for your operation's working capital needs.

Helpful resources

Now that you’ve taken the first step toward a stronger financial future here are some resources that may help you.

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Your Composite
Financial Evaluation

Balance Sheet Data

Please enter year-end data for the most recent year.
For negative numbers, please add a minus sign after you enter your number.

Cash and cash equivalents

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Current balance of all checking, savings and money market accounts.

Accounts Receivable

Cash invested in growing crops

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Current cash invested in crops at cost

Harvested crop inventory

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Estimated market value of harvested crops currently on hand or in storage

Market livestock inventory

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Estimated market value of livestock inventory intended to be sold in next 12 months.

Prepaid expenses/Supplies on hand

Other current assets

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Any other liquid asset including non-retirement marketable investment accounts.

Total current assets

Breeding livestock inventory

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Estimated market value of breeding livestock excluding value of head intended for sale in next 12 months.

Machinery and vehicles

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Estimated market value of all machinery, equipment and vehicles.

Real estate

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Estimated market value of all real estate holdings.

Other long-term assets

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Estimated market value of other holdings, including investment in nonfarm entities, retirement accounts, cash surrender value of life insurance, personal property, etc.

Total Long-Term Assets

Total Assets

Credit cards and operating lines

Accounts payable

Current portion of long-term liabilities

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Enter the portion of longer term debt that will come due and payable in the next 12 months. This amount is typically equal to the scheduled principal payments for the year (total payments excluding interest).

Other current liabilities

Total current liabilities

Total Balance on long-term liabilities

Less current portion of long-term liabilities

Other long-term liabilities

Total Long-Term Liabilities

Total Liabilities

Total Equity

Total Liabilities Plus Equity

Income Details

Select detailed income input for more personalized results. Otherwise select basic for simplified results.
For negative numbers, please add a minus sign after you enter your number.

Detailed

Basic

How manageable are your debt payments currently?

What is your estimated current FICO^® Credit score?

Total net cash income after taxes

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Net cash income after expenses, interest, and tax. Exclude debt principal payments.

Family living expenses and personal uses

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Estimated living expenses such as food, gas, health/life/other insurance, discretionary spending etc. May be estimated at $15k per adult and $10k per dependant if budget not available.

Term loan and capital lease interest expenses

FICO^® credit score

More information

FICO is a registered trademark of Fair Isaac Corporation. AgAmerica and its loan products and services are not endorsed or sponsored in any way by the Fair Isaac Corporation.

The Financial Health Check is a tool intended to capture a snapshot in time of select key financial ratios calculated with summary data provided by the user. The contents on this site are for informational purposes only and do not constitute financial, accounting, or legal advice. This tool is not intended to serve as your primary measure of financial condition, nor as a forecasting or financial planning tool.

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FAQS: AGRICULTURAL AND FARMLAND FINANCING AND OPERATIONAL HEALTH

Our team is committed to supporting our American farmers and the noble work they do. Learn more about our financial resources and flexible lending options.

Does AgAmerica offer 100% financing?

While we do not offer 100% financing, on a first mortgage we can typically lend up to 75% based on the value of your collateral property. Your loan terms are built uniquely for you. To learn more about the pros and cons of zero money down land loans click here.

Can I get a loan using my land as collateral?

Are AgAmerica land loans for farmers only?

Get Verified

First, review and answer the four verification questions.
Once verified, you will be prompted to fill out our loan request form.
Next, one of our land lending specialists will contact you to assist with any additional questions.

Thanks! We may not be a match at this time, but we'd love to help with a review of your financial health.

Review Financial Health

Have questions? Contact us now to speak with a lending expert and to learn more about our minimum loan requirements.

Do you own or plan to buy 25+ acres of agricultural land?

Yes

Is the loan amount you’re seeking more than $50,000?

Yes

Are you a U.S. citizen?

Yes

Need to speak with an expert? Contact Us

Who We Are

Flexible terms. Innovative solutions. A revolutionary approach. Learn more about the land lender who is innovating agricultural lending.

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Financial Health Check: Farmland Financing

Health Check

Your Composite Financial Evaluation

Current ratio

Debt-to-asset ratio

Term debt coverage

FICO^® credit score

Helpful resources

Your Composite
Financial Evaluation

Balance Sheet Data

Income Details

FAQS: AGRICULTURAL AND FARMLAND FINANCING AND OPERATIONAL HEALTH

Get Verified

Get Verified

Thanks! We may not be a match at this time, but we'd love to help with a review of your financial health.

Do you own or plan to buy 25+ acres of agricultural land?

Is the loan amount you’re seeking more than $50,000?

Are you a U.S. citizen?

Who We Are

AG FINANCING

For Clients

National Lending

Who We Are

Agricultural Resources

AG FINANCING

For Clients

National Lending

Who We Are

Agricultural Resources

Financial Health Check: Farmland Financing

<img decoding="async" src="https://agamerica.com/wp-content/plugins/health-check-calculator/inc/../dist/img/clipboard.svg" alt="" aria-hidden="true">Health Check

Your Composite Financial Evaluation

Current ratio

Debt-to-asset ratio

Term debt coverage

FICO® credit score

Helpful resources

Your Composite Financial Evaluation

Balance Sheet Data

Income Details

FAQS: AGRICULTURAL AND FARMLAND FINANCING AND OPERATIONAL HEALTH

Get Verified

Get Verified

Thanks! We may not be a match at this time, but we'd love to help with a review of your financial health.

Do you own or plan to buy 25+ acres of agricultural land?

Is the loan amount you’re seeking more than $50,000?

Are you a U.S. citizen?

Who We Are

Health Check

FICO^® credit score

Your Composite
Financial Evaluation