Alternative Lending
Conterra understands not all borrowers look the same. We offer alternative ag lending solutions for farmers and ranchers that do not meet traditional lending standards
We tailor solutions to meet the needs of those borrowers when traditional financing just does not fit. Besides our traditional financing options, Conterra has flexible capital to provide solutions for many types of borrowers, including transitional financing, debt restructuring and bridge loans.
The Conterra team can provide the best possible solution and service for every transaction.
- Feedlot and cow calf operation located in Oregon.
- Typically run 750 head of cattle, the operation utilizes leased ground in the winter and BLM grassland through permits.
- Owned by a husband and wife with three young children who are wanting to raise cattle when they grow up.
- Tight cash position (struggling to pay monthly bills).
- Expanded heavily during the higher priced cattle market in an effort to grow the operation for future generations.
- The expansion was financed using personal money, the operating line, and mid-term debt 3-5-year notes.
- Conterra provided cash from refinancing real estate to relieve daily pressure of cash outflows.
- The payments were amortized over 25 years to relieve annual payments.
- The reduced annual debt service allowed the borrowers to start building cash back into the operation and to complete some of the recent developments.
- The operation now runs at its new capacity and anticipates meeting all obligations while building up equity.
Conterra offers a wide range of loan products designed to meet the needs of today’s farmers, ranchers and agribusinesses.
There are times when capital is needed on a short-term basis. That can be when capital is needed quickly to take advantage of an opportunity or when events necessitate a short-term capital infusion. These loans typically have a 12 or 24 month maturity with a variety of payment options with longer amortizations or interest only. The reasons your operation may need a bridge loan vary greatly. As long as real estate and other ag collateral is available to use as security we are willing to evaluate your application for a bridge loan.
Alternative Lending
Conterra understands not all borrowers look the same. We offer alternative ag lending solutions for farmers and ranchers that do not meet traditional lending standards
We tailor solutions to meet the needs of those borrowers when traditional financing just does not fit. Besides our traditional financing options, Conterra has flexible capital to provide solutions for many types of borrowers, including transitional financing, debt restructuring and bridge loans.
The Conterra team can provide the best possible solution and service for every transaction.
- Feedlot and cow calf operation located in Oregon.
- Typically run 750 head of cattle, the operation utilizes leased ground in the winter and BLM grassland through permits.
- Owned by a husband and wife with three young children who are wanting to raise cattle when they grow up.
- Tight cash position (struggling to pay monthly bills).
- Expanded heavily during the higher priced cattle market in an effort to grow the operation for future generations.
- The expansion was financed using personal money, the operating line, and mid-term debt 3-5-year notes.
- Conterra provided cash from refinancing real estate to relieve daily pressure of cash outflows.
- The payments were amortized over 25 years to relieve annual payments.
- The reduced annual debt service allowed the borrowers to start building cash back into the operation and to complete some of the recent developments.
- The operation now runs at its new capacity and anticipates meeting all obligations while building up equity.
Bridge Lending
Conterra offers a wide range of loan products designed to meet the needs of today’s farmers, ranchers and agribusinesses.
There are times when capital is needed on a short-term basis. That can be when capital is needed quickly to take advantage of an opportunity or when events necessitate a short-term capital infusion. These loans typically have a 12 or 24 month maturity with a variety of payment options with longer amortizations or interest only. The reasons your operation may need a bridge loan vary greatly. As long as real estate and other ag collateral is available to use as security we are willing to evaluate your application for a bridge loan.
FARM AND RANCH REPORT
Essential items should be on all producers’ minds: how will volatility in input and output prices affect the bottom line? What opportunities and challenges does this present?
Watching input costs, particularly in the labor, fertilizer, and fuel markets will be extremely important. No one size fits all, but managing expenses this year will be important, even with high, albeit volatile, output prices. In this Outlook, we provide more color and context to the essential questions above.Â
Our loan request form is a quick form that helps us determine the lending solution that can fit your specific needs. This is not an official application but will give us the information needed to get the process started..
- Farm and Ranch term Loans
- Fixed, Variable and Adjustable Rate Products
- Conterra Ag Premier: Credit Score Quick Approval Process
- Real Estate Secured Revolving Line of Credit
- Development Loans for permanent Crops
- Operating Loans