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Farm and Ranch Loans

Cattle
Farm and ranch families face a unique set of challenges when it comes to their financial needs, and as such, they don’t always fit neatly into the constraints of today’s corporate banking environment. Our experienced staff grew up in and around agriculture, and we understand the business of farming and ranching. We work with over 50 banks across the state to secure the financing that you need. If we are not currently working with your lender, then we would love to add them to our growing list of financial partners. Many of the lenders who we work with also grew up farming and ranching or currently run their own operations, so they too understand your business.  
We have a tried and proven process that helps us discover your unique needs, maximize your cash flow and access the working capital you need, to give you the Freedom to Grow your operation.
While we will always try to secure you a better rate, we have seen time and again, that the structure, terms, amount and type of financing as well as having the right lending partner can all dramatically impact the true cost of capital.  Once we have secured you the best deal possible, we don’t simply disappear. The markets, and your unique financial picture and goals are always changing, and we want to be here to help. We will check in with you at least annually once your deal is finalized to ensure you are on track to achieve your financial goals and objectives. If you need our help more often, we are only a phone call away.
Keep us in mind for FSA guaranteed and direct loans as well as conventional financing, including:
  • Real estate
  • Cow and equipment term loans
  • Breeding livestock
  • Debt consolidation or restructure
  • Stocker purchase lines of credit
  • Operating lines of credit
  • Cattle purchase lines of credit

Key Benefits of our services:

  • Cut through the Red Tape
  • Tailor-made plan for you
  • Professional presentation
  • Large and growing lender network
  • Better rates
  • Better terms
  • Knowledge of government programs
  • Improved liquidity
  • Improved cash flow
  • Tools and connections

Get the Funding You Need to Succeed!

As a farmer or rancher, you know better than anyone how your business should be run. The typical loan options offered by some creditor aren’t designed to meet your specific needs, but our plans and our lenders can change all of that.  For more information or to schedule a FREE consultation, please reach out to us at 918-762-2271.

Our Process

DISCOVERY
Our first step is to make sure that it makes sense for us to work together.  We begin by studying your current and historical financial position and investing the time to understand your needs. We do this by reviewing your current financial statement and the last 3 years of income, expense, and production information.

ENGAGEMENT
We have an over 90% success rate, and we don’t take the responsibility of new clients lightly. If we have decided to work together, it is because we are confident in our ability to get you the results you are looking for. At this point in our process, we have made a preliminary assessment of your needs and your ability to succeed.  Once we both agree that there is a viable plan for us to work together we will enter into a contract. The contract requires a small up-front retainer fee and the balance of our reasonable fee is collected upon a successful funding!

PRELIMINARY
We build a summary of our findings including your current, historical, and projected operational capacity. We then send it to you for review before it is sent to one of our many qualified lenders, or if you prefer a lender that you already have a relationship with.

PRESENTATION
The next step is to present your custom-made for you proposal to a lender—the right lender. When the lender accepts it, we will receive a letter of commitment. Financial Consulting Inc. will follow your loan through the final stages of appraisal, title exam, and any necessary approvals by the FSA if they are utilized, to enhance your deal.