Farm Loans

KC Federal Reserve Chart of farm loan volume by purpose for the third quarter of 2018.

Nebraska Cropland Rental Rates and Financial Trends 2019 January 9, 2019

Nebraska producers will face challenging margins on crops produced in 2019. This article, part of the 2019 Crop Production Clinic Proceedings, covers current trends in cash rental rates and outlines financial considerations for the upcoming production year.

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December Farm Finance and Ag Law Clinics December 4, 2017

Register in advance for these confidential, one-on-one consultations with ag financial and legal experts.

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Workshops on Ag Liens, Loans and Leases at 2 Sites this Month November 20, 2017

A new workshop — "Ag Liens, Loans, and Leases" — will be held at two sites in mid-December to help farmers assessing these aspects of their farm operation and management.

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Strengthening Nebraska's Agricultural Economy. Links to full article 'A Checklist for Farm/Ranch Debt Workout'

A Checklist for Farm/Ranch Debt Workout March 14, 2017

Some Nebraska producers may be feeling a financial crunch and considering some unfamiliar options to manage their debt. For those negotiating a workout agreement with their creditor or creditors to restructure debt under challenging financial circumstances, the author lists several points to consider.

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A mediator reviewing information with a farmer in the field
Figure 1. A trained mediator can be an important tool in helping two sides come together to avoid foreclosure and bankruptcy.

Nebraska Farm Credit Mediation March 9, 2017

This year's historic weather events and low commodity prices are taking a financial toll on many farm operations and agribusinesses. Consider whether farm credit mediation, explained here, may offer an alternative to avoid loan foreclosure or bankruptcy.

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sample loan application form

Considering Ag Refinancing Options February 28, 2017

In today's tight agricultural economy, a lender may require you to provide additional loan collateral—including land—as a condition for receiving continued operating credit. For example, if your carryover operating debt is $160,000, the lender might suggest moving the loan onto some land, machinery, or other property that is clear of debt.

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Losing Your Operating Credit and Loan Subordination February 16, 2017

When an ag lender denies an operating loan for the next year and new funding sources are sought, a subordination agreement may be helpful in securing new credit while still laying out a payment plan for existing debt. Here’s what to consider.

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tractor in a field
Given current low crop prices and thin operating margins, parents may be asked to guarantee payment of a child's debt when the younger producer is having difficulty repaying a loan. Parents may want to seek an objective, third-party assessment counsel when evaluating their potential risk.

Things To Consider Before Co-Signing A Loan February 9, 2017

Parents co-signing loans for their children is common in agriculture. Traditionally, it has happened when a younger producer needs a loan for major purchases such as land, livestock, or farm equipment. Given current low crop prices and thin operating margins, parents also may be asked to guarantee payment of a child's debt when the younger producer is having difficulty repaying a loan. While no one wants to see a financial loss for their children, parents need to carefully consider the potential for losing a significant amount of their savings before signing on the bottom line.

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