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Home Ag Banking

ABA Shares Tips for Navigating Tough Times in Farm Lending

August 19, 2015
Reading Time: 1 min read

With the agricultural boom projected to hit speedbumps in the months and years ahead, ABA distributed 10 tips to help ag bankers prepare their customers for the changing ag economy.

The tips for customers include: defer debt purchases that don’t pay themselves off soon enough; create and stick to a budget; analyze farm performance; restructure debts; prepare for reviews with bankers; use federal credit guarantees; review insurance coverage; deal with financial problems as they arise; and keep a clear perspective.

“Thanks to recent boom times, many farmers and ranchers are well-positioned financially for the next couple of years, but falling commodity prices, a stronger dollar and a probable increase in interest rates should encourage all producers to get their financial house in order,” said AVA SVP Steve Apodaca. “One of the most important things a farmer can do during volatile times is keep the lines of communication open with his or her lender.”

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