Let’s face it: You don’t have to own the field, to own the yield.

We’re more interested in your business IQ than your property tax bill.

The right solution for the right farmer

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Farmers Who Rent

Rented land is an integral piece of modern production agriculture. As farms have scaled bigger, owning land hasn’t been as prevalent in the trajectory for growth. While that works in efficiencies of scale, traditional lenders are leaving operators with less.  

Challenges: When traditional lenders only fund a percentage of operating costs, that leaves the farmer shopping for additional loans to make funding whole. The tradeoffs could result in higher input costs or higher interest rates.   

The FarmOp Difference: FarmOp provides farmers with up to 100% of the operating line of credit.

  • Because our model does not rely on last year’s balance sheets, we can provide that working capital earlier in the planning cycle.

  • With higher advance rates, earlier – farmers can take advantage of early discounts and the advantages of being a cash buyer.

 
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Farms Transitioning

You’ve seen the stat. The average age of farmers is rising. While everyone is concerned about who will be taking over the farm, farmers already positioned to do so are running into challenges themselves gaining the collateral to fully enter the market.

Challenges: Younger generations trying to take over the farm do not have the collateral required by traditional lenders to back their operating loans.

The FarmOp Difference: FarmOp looks at a farmer’s history of production and risk management strategies, not hard assets.

  • You don’t need to own a majority of your land or any of your equipment. You need to prove you can farm profitably.

  • We examine your history of production and your risk mitigation strategies to qualify you for our operating loans.

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Farmers Looking To Expand

Farmers with a growth mind-set, looking for ways to expand, will also need to secure inputs for those expanded acres. Larger farms enjoy the efficiencies of scale but can run into roadblocks when they outgrow their lenders.

Challenges: Roadblocks in securing 100% of your financing from one lender can lead to diminished negotiation power and delayed access to cash.

The FarmOp Difference: FarmOp provides right-sized loans, earlier. We understand the buying cycle for next year’s crop and get funding in your hands earlier.

  • We’re flexible in what your expansion looks like. Cash rent, crop share, own? Our model works with yours.

  • Our loans come in a variety of sizes. We haven’t met a grower that was too big, yet. We’ll accept the challenge.  

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Farmers Who Market

Farms run similarly to small businesses. Using marketing strategies and various risk mitigation tools, today’s farm operation knows that running a smart business means making decisions that protect the future.

Challenges: Farm marketing can be a challenge with a variety of hedging strategies, puts, calls, spreads, the list goes on. Many farmers strike out swinging when it comes to marketing their crop.  

The FarmOp Difference: FarmOp’s all-in on success approach means we provide farmers with the tools they need to make the most out of their marketing year.

  • Rest easy with an understanding of your operating budget for the year. We require a marketing plan and help ensure your success

  • Learn to rely on certainty from FarmOp’s professional services when it comes to your business’s success.

Ask Us “What if”