P & B Morton, LLC

A farming enterprise with access to capital can profit from emerging technology.

Loan Negotiation

Financing a farm purchase or expansion requires communication and confidence. The borrower communicates to the lender the farm production plan so that the lender is confident that he or she is writing a good loan, one that will succeed and provide the ability to repay interest and principal.  The lender becomes a partner in your farming operation.

Loan Negotiation for:

• Farm acquisition
• Expansion of an on-going farming enterprise
• Operating capital.

The lender requires the following information

• Character - this is about you, your background, and your farm knowledge
• Credit - your reputation for repaying loans
• Capacity - the ability of the farm, the soil fertility, topography, water supply, buildings, and markets for your farm products
• Cash flow - a schedule of expenses and income to match cash advances and repayment dates
• Collateral - the value of the assets which will secure the mortgage and operating loans.

P & B Morton, LLC assembles this information for the lender in a comprehensible form to communicate to the Board of Directors. Potential questions are anticipated. We address credit lapses, crop and livestock production plans, repayment plans for your initial year, and value of your real estate, growing crops, livestock, and machinery.

Our financing proposal presents the full capacity of you and your farming enterprise to potential lenders. Our experience and credibility strengthens your loan application.