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Our Latest FBN® Financial Insights
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How to Build a Farm Budget
A farm budget can help farmers navigate this constant decision-making and weigh alternative options to increase farm revenue. It also allows farmers to meet short- and long-term operational goals and effectively forecast for their farm’s future.
Rent vs. Buy Farm Land: Which Is Right for You?
If you’re a farmer who rents the land you operate on, the decision of whether to continue renting or purchase farm land is likely never too far from your mind. How do you know when the time is right to make the change?
How to Run a Breakeven Analysis for Your Farm
Knowing your yields and the investments you made on inputs to achieve those yields will not only put you on the path for success, it will also help your farm’s marketing strategy.
Fixed Rate vs. Variable Rates: Which is Better?
Understanding the difference between fixed and variable rates will help farmers in the market for farm land loans.
How Much to Pay Your Farm Employee
A right-hand farm employee is often worth the investment. Determining an hourly wage or annual salary for a farmhand can be complex, though, as there are several factors to consider, including your own budget.
5 Retirement Plan Options for Farmers
Retirement may affect a farmer’s personal finances as well as the family business’ finances and estate planning. The FBN Finance team is ready to help position farmers for success today and into the future.
How to Buy Land as a Beginning Farmer
Learn the pros and cons of FSA loans, seller financing, commercial loans, and Farmland Capital.
How Does the FBN® Finance Appraisal Process Work?
With a Farmers First® mindset at the forefront of everything we do, FBN Finance strives to be as transparent as possible about the appraisal process so you know what to expect when partnering with our team for your land financing.
FAQs
Do you offer revolving lines of credit?
Yes — all of our operating lines are revolving.
How do I obtain an advance?
Advances are made through an ACH or wire request in which funds will be electronically transferred.
How long will it take to receive my funds upon request?
Funds can be transferred into your account in as little as two business days after they’ve been requested.
What is used for collateral?
Depending on what the farmer is approved for, the operating lines are secured by crops, crop proceeds, and crop insurance, or a blanket lien on all farm assets.
Is there a minimum loan amount?
The minimum loan amount is $250,000.
When does the line of credit mature?
The maturity date is March 1, 2026.