Iowa State University Extension and Outreach - Agriculture and Natural Resources’ Post

Ag lenders- Do you feel like a combination of accountant, psychologist, sociologist, and communication specialist? You're not alone. Dr. David Kohl met with commercial agricultural lenders to discuss national and regional concerns. Not only do lenders have to navigate weather and land value concerns, but they also have to factor in the complex human relationships in farming. Read Dr. Kohl’s full dispatch in his latest column for Farmer Mac: https://bit.ly/3ZH0xMy

🌡️ Are farmland values cooling down? In 2024, lenders saw a slight increase of 3.8% in farmland values. But moving into 2025, two-thirds of lenders anticipate either no change or a decline in land values. There is optimism in the South and West. Lenders in those areas had a more positive outlook. Access more insights in our 2024 Agricultural Lender Survey Report > https://lnkd.in/eHmq9JtN #AgLending #AgFinance

Is your farm ready to take advantage of USDA's new policies?💰🚜 The USDA has recently revamped their Farm Loan Programs, making it easier for farmers like you to access the funding you need to grow your business. From reduced collateral requirements to smoother application processes, these updates are designed to support farmers of all sizes. Take a look at our latest blog by Diane Payne, EA, and see how we can help you achieve your farming goals. #Agriculture #FarmLoans #USDA #Agribusiness #Farms

The top 10 states that saw the most significant draw downs in farmland valuation from 1981 to 1987? IA: -60% MN: -54% IN: -47% IL: -47% NE: -45% OH: -40% KS: -39% MS: -38% WI: -30% ND: -28% As long as operators manage their cash flow diligently, they can get through it. This is why watching leverage is vital. Farmers who built a margin of safety during the good times have a path out of tricky situations if they need to borrow against their assets while the chips are down.

Looking to transfer your farm to the next generation? A loan from UK Agricultural Finance could be the ideal solution. At UK Agricultural Finance we strongly believe that lending is an individual process where one size doesn't fit all. That is why we always complete an on-farm visit to better understand your personal circumstances and requirements. This is especially important in the case of generational transfers where is it important to have a clear understanding of both the history of the farm and the future plans of the next generation.

Looking to transfer your farm to the next generation? A loan from UK Agricultural Finance could be the ideal solution. At UK Agricultural Finance we strongly believe that lending is an individual process where one size doesn't fit all. That is why we always complete an on-farm visit to better understand your personal circumstances and requirements. This is especially important in the case of generational transfers where is it important to have a clear understanding of both the history of the farm and the future plans of the next generation.

Looking to transfer your farm to the next generation? A loan from UK Agricultural Finance could be the ideal solution. At UK Agricultural Finance we strongly believe that lending is an individual process where one size doesn't fit all. That is why we always complete an on-farm visit to better understand your personal circumstances and requirements. This is especially important in the case of generational transfers where is it important to have a clear understanding of both the history of the farm and the future plans of the next generation.

USDA Farm Service Agency is making some rule changes to how farm loans operate. If you would like additional information, here is a podcast covering the change and how it will impact farmers. https://lnkd.in/gJ-rXMK5 #farmers #conservation #farmserviceagency #michiganfarmers

America's next generation of farmers and ranchers are supported through FSA's "Beginning Farmer" direct and guaranteed loan programs. Farm Ownership loans can provide access to land and capital, while Operating loans can assist beginning farmers in becoming prosperous and competitive by helping to pay normal operating or family living expenses. Through the Microloan program, farmers can have an important source of financial assistance during the start-up years. While FSA is fully committed to all farmers and ranchers, there is a special focus on the particular credit needs of farmers and ranchers who are in their first 10 years of operation. Learn more about these loans for beginning farms and ranchers: https://bit.ly/3UcCEZj  - #HagemanRealty #TheHagemanRealtyDifference #FaithFamilyFarmland #Farmlands #Farmlands #Farm #Agriculture #BuyLand #LandForSale #HuntingLandForSale #IndianaLandForSale #TexasLandForSale #IllinoisLandForSale #WisconsinLandForSale #PropertyForSale #ArkansasLandForSale

Excellent post from FarmDoc Daily today. As lenders are getting ready for annual reviews and 2025 operating loan approvals, the paper provides some context and strategies your borrowers might be considering as they move forward. For marginal borrowers and weaker managers navigating a period of low cash flow can be especially difficult. These are the borrowers that we should be spending more time with in the coming months.