When was the last time you looked closely at your farm finance setup? Not just your interest rate, but the actual cost of debt, how it’s structured, and how it aligns with your goals.
For most farmers, the answer is “not recently.” And that’s understandable. It’s hard to make time when there are always more urgent jobs on the list. But what if a few small changes could save you more than you think?
We negotiate on machinery, fuel, even fertiliser, but when it comes to bank margins and finance structures, many business owners accept what they’re given, assuming there’s little room to move.
In our work with farming families, we’ve seen just how powerful a well-structured finance strategy can be. Not just in terms of savings, but in freeing up cash flow, managing risk, and gaining peace of mind.
For most farming families, debt is part of the picture. Whether that’s funding land, livestock, equipment, or keeping things moving through a tough season. But here’s the thing: how that debt is structured can make a big difference to your bottom line.
We see it all the time. Good operators paying too much because they haven’t had the time, tools, or support to renegotiate terms or rethink how their lending is set up.
If it’s been a while since you reviewed your finance strategy, or you’re not sure where to start, we’ve put together a practical guide to help.
If you’d like a copy of our Farm Finance Guide, click the button below.
Debt is one of the biggest costs in many farming businesses but it’s often overlooked. Our Farm Finance Guide was created to help farming families take control of their debt, structure it better, and stop leaving money on the table. Read more here.
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