Banks don’t reject good farmers, they reject bad paperwork, unclear plans, and structures that work against you. In this first episode of Dollars In The Dirt, your host Brecken reveals the 6 brutal truths behind why 73% of farm loan applications get rejected… and how to be in the 27% who secure approvals.

You’ll discover:

◼️ Why messy financials kill your chances

◼️ How unclear goals make banks walk away

◼️ The hidden impact of poor business structures

◼️ Why timing and preparation matter more than you think

◼️ How to present your farm like a professional operation

◼️ Why banks don’t understand ag businesses without clear articulation

Timestamps:

00:00:00 Introduction

00:00:31 - The Real Reasons Banks Reject Loans

00:01:03 - Messy Paperwork

00:02:05 - Accurate Financials

00:02:26 - Livestock Numbers

00:02:57 - BAS and Cashflow

00:03:29 - Property Values

00:04:01 - Being Organized

00:04:43 - Clear Business Goals

00:05:58 - Business Structure

00:07:01 - Tax and Succession Planning

00:08:28 - Asking the Bank to Solve Problems

00:09:28 - No Clear Proposal

00:11:13 - Timing and Opportunities

00:11:55 - Bank Understanding of Your Business

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Seasoned Finance: https://seasonedfinance.com.au