The Western U.S. differs from the rest of the country in many ways. The West, especially California, is one of the most productive places in...
PLAN BUDGETS WITH FUNDAMENTALS, NOT GOVERNMENT PAYMENTS
Government payments can throw a wrench in long-term budget planning. The last month of 2019 saw signs that there is life in the ag economy....
You Never Get a Second Chance to Make a First Impression
You have all heard the expression “You Never Get a Second Change to Make a First Impression.” It has been attributed to Oscar Wilde and...
Is it a Good Idea to Use More Than One Ag Lender?
Ag lending has evolved in how ag credit is delivered and who is delivering that credit. Both agricultural operations and institutions that lend into agriculture...
Planting Season Tips from an Ag Lender
Every spring there’s a sea of tractors out planting the fall crop. During this time there is usually one thing on a farmer’s mind: getting...
Protecting your operation in these uncertain times
With COVID-19 causing disruptions throughout the US economy, farmers and ranchers are experiencing a wide range of side effects. While parts of Rural America have...
FINANCING NUT CROPS. WHAT IS THE LENDER’S APPROACH?
Nut crops favor very warm climates, and this climate limitation concentrates most of the production to the far western states. There are commonalities among the...
Women in Agriculture – Navigating Leadership
The landscape of the modern woman in agriculture has made quite a transformation. Women are taking their seat at the table as decision makers, CEOs,...
PERMANENT CROPS AS REAL ESTATE COLLATERAL – 4 TIPS TO CONSIDER
In the more temperate climates of the West, there are millions of acres of permanent crops. Nut crops, vineyards and tree fruit dot the landscape...
CREATING A LONG-TERM BUSINESS PLAN
THREE STEPS TO A SOLID LONG-TERM PLAN FOR YOUR OPERATION Ask the right questions and think like a lender when assessing your business’s viability. Planning...