FREQUENTLY ASKED QUESTIONS

Below are some common questions about our Agribusiness Lending Solutions.  If you have a question that isn’t addressed, please feel free to call or fill out the contact form.

What is agribusiness financing?

Agribusiness is defined as a business utilizing a specialized agricultural processing facility, a farm-gate product storage facility or other facility directly providing additive value to a farm-gate product. K&A works with a variety of institutional lenders with the expertise and proven track record for reliably funding both term financing secured by real estate, operating lines of credit and international credit services to Agribusiness.

Agribusiness financing qualifications

Agribusiness lending is highly situational and best covered in a consultation. Typical underwriting parameters for real estate include:

  • Term financing is secured by a first lien on real estate
  • Loan-to-Value ratio for term loan portion ≤ 70%
  • Cash flow available to service debt ≥ 1:35

How much can we borrow?

$1 Million and above.

What is the current interest rate?

Interest rates are contingent on type of credit and credit quality and they change daily with market conditions. Please call for a consultation and current quote.

What if I don’t qualify?

If you fail to qualify for an institutional loan due to poor credit, business transition that impairs cash flow or other factors that may be considered temporary, please refer to our section on Alternative Financing.

REQUEST A CONSULTATION

For more information on how Kritscher & Associates can assist you with a debt restructure, bridge loan or special financing, please fill out the contact form or, call us at (530) 405-6036.

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AGRIBUSINESS LENDING SOLUTIONS

Kritscher & Associates works with agribusiness clients to develop financial strategies across a broad range of commodities and agricultural sectors.  We strive to become a trusted resource to our clients beginning with analysis of current operations, development of operating goals and the best financial solutions to attain these goals.