Agricultural Financial Resources

Stay up to date with the latest articles and advice in the Ag Lending industry.


Success as a farmer can be hard to find due to heavy competition and much more. For example, states that over two million farms were spread across the country as of 2020. As a result, you may need agriculture land loans to stay ahead of the competition and succeed in a challenging situation.

The Nature of Land Loans

Land loans are a unique type of financing option that can help farmers or others purchase a variety of property...


It's not surprising that a lot of people are starting to take an interest in farming. Here are some frequently asked questions about farm mortgage loans.


Closing costs are an important item to think about when purchasing or refinancing your farm. Often times loan fees and closing costs can be overlooked when completing a transaction. Modern Terra offers a wide variety of loan products and offerings which range in closing cost fees. We thought it would be helpful to outline what you should be keeping in mind when working on your farm land loan whether is it a refinance or purchase.

What are closing costs?

Closing costs generally encompass Agricultural...


It’s hard to understate the role of debt and financing in modern agriculture. While you may be looking to enter the agriculture market as an investor we think you’ll benefit from understanding how financing a farm works from a farmers perspective. You may not have to keep up with the ever changing markets or lending best practices but you will benefit from understanding the basic processes and challenges a farmer might face.

Part of being a successful farmer understanding how to structure debt as a tool for growth. This is especially true in a post-COVID world. Despite lower...


In the aftermath of the volatile climate of 2020, investors are looking for safe ways to invest for the future. This is leading many to consider things like rural land investing. While the economy is in unseen territory and the stock market offers only high entry prices and volatile returns, there is something to be said for investing in rural real estate, if only as a hedge against inflation.

Rural and farm land has provided a consistent option for people when compared to commercial or residential real estate or stock market investing. Drylands are maintaining a steady pace...

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Farming is a volatile business, relying on many uncontrollable elements like nature to create profits and other rewards for those who choose it as a lifestyle and a career. In uncertain economic times, it can become even more of a juggling act if you’re not playing offense and being proactive about your finances in the first place.

As it always has been, those who want to be able to weather any storm that comes their way, whether literal or metaphorical, will need to take the time and effort to familiarize themselves with their operational cash flow. This includes...

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As the world’s food needs continue to evolve,the process of planting, growing, harvesting, and distributing crops across the globe is in a constant state of flux. With the planet’s ever-increasing population and steadily decreasing arable acreage, the need for maximum efficiency from existing farming operations is essential to long-term sustainability. This means implementation of new processes and cutting-edge technology.

The cost of maintaining a successful and profitable farm business is higher than most uninitiated consumers would estimate, and that’s without factoring in...

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We know you have plenty of things to think about right now but prepping for the maturity of your operating loan is approaching. You will want to give yourself enough time to prepare for your 2020 loan request. We suggest starting to plan your operating loan renewal 90 days in advance of renewal. Though we do not fund operating lines we thought it would be helpful to give you some tips and tricks before you reach out to your operating lender make sure to prepare the follow items:

Get on your lenders and other potential lenders calendar. Schedule a meeting that will give you...

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There’s so many factors that affect the farmer! If there’s one thing farmers can control its the interest rate on their long-term mortgage loans. Modern Terra offers the longest long term fixed rates available in the market. Having a fixed-rate loan really negates risk and gives peace of mind.

Having one of our long term fixed-rate will give you the ease to know exactly what it’s going to cost you every year.

Once you become a customer of Modern Terra you can actually lower your interest rate over time if they are declining! After one year of making payments customers can...

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Be sure to always seek your CPAs financial expertise. Your relationship with your CPA will not only save you heartburn but could save your farm. We can not stress how important it is for you to be in communication with your CPA on your balance sheet. All lenders like to see a strong working capital position. Working capital is your current assets (cash, receivables, and inventory) minus current liabilities (line of credit, payables, and current portion of long-term debt). This measures your operation’s ability to meet current obligations.

As many of you get done with fall...


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