Cashflow, Collateral, and Character
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Cashflow, Collateral, and Character
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About this listen
Insights into Lending
Kendall and Rebecca speak with Charley Cummings, CEO of Walden Mutual Bank. They discuss the concept of "voting with your dollars" and its impact on sustainable finance and agriculture. He shares insights on lending practices, stressing the importance of long-term relationships and understanding the unique challenges of multi-generational farms. Cummings emphasized the need for farmers to understand cash flow, accrual accounting, and amortization.
Show notes:
Walden Mutual Bank - www.waldenmutual.com
EBITDA = Earnings Before Interest, Taxes, Depreciation, Amortization
Women in Ag Newsletter signup - https://unhoutreach.tfaforms.net/217751?CID=701G0000001AiKCIA0
Kendall Kunelius – kendall.kunelius@unh.edu
Rebecca Dube – rebecca.dube@unh.edu