Conterra Ag Capital
Conterra provides farm & ranch real estate secured loans to ag producers across the United States. Our regional relationship managers are strategically located across the country to work directly with our borrowers. Whether it is long-term fixed rates, development or alternative financing, we provide flexible and creative lending options for operations through even the toughest agriculture cycles.
Conterra understands agriculture and is here to support rural America with diverse financial solutions and lending products that can adapt to the needs of today’s producers. We are a lender with perspective, working with borrowers to provide financial solutions for whatever is on the horizon.
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“Agriculture is our wisest pursuit, because it will in the end contribute most to real wealth, good morals and happiness”
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We have a many loan products including our Rapid Application which is a credit scorecard based model designed to deliver quick underwriting decisions with a simplified application process.
I think Conterra understands agriculture better than anyone I have ever dealt with. Most lending institutions are all finance, but Conterra came and looked at the operation and saw we were doing the best we could under the circumstances."
Agriculture is subject to cyclical changes in a variety of financial factors such as markets, land values, and input costs. Regular financial statement reviews enable farmers to adapt their strategies in response to changing conditions, identifying areas for improvement, enhancing overall operational efficiency.
Different types of farming operations, whether focused on crops, livestock, or a combination, have specific considerations in financial statement analysis. Understanding the intricacies is important for farmers and financial experts alike, as it forms the foundation for a nuanced and effective approach to financial statement analysis.
Securing a farm and ranch loan from a knowledgeable agricultural lender can be an important step in ensuring the success of your farming operation. Each farming or ranching operation is unique, and the right loan options should be tailored to your unique needs, goals, and risk tolerance.
Lenders face credit risks due to the volatility and unpredictability of the market; and they need to be confident borrowers can repay their loans, even in the event of unexpected challenges such as droughts, market fluctuations, or other industry-specific risks. As such, credit scores are an essential tool lenders use to evaluate creditworthiness and ability to repay the loan.