Your Advocate in High-Stakes Farm Finance
I’m Matthew Falk, CFA — a former agribusiness lender, a longtime CFO for a multi-entity grain operation, and the person family farms call when timing is tight and the stakes are high.
For 15 years, I’ve been on the front lines of farm finance.
I’ve managed complex operating lines, multi-entity financials, hedging programs, crop insurance strategies, vendor negotiations, restructures, and turnarounds.
And before that, I sat on the other side of the table as a commercial real estate lender during the 2008–09 mortgage meltdown — a time when every credit decision mattered.
So when a farmer calls me, I understand both sides:
the urgency on the farm, and the concerns inside the bank.
What I Do for Farmers
When a bank is delaying, tightening credit, or hesitating to renew an operating line, farmers can’t afford to sit still.
Leases need to be renewed.
Vendors need paid.
Seed discounts disappear.
A season doesn’t wait for paperwork.
My role is to eliminate the drag between the farm and the lender.
I take the real numbers — the messy, multi-entity, “here’s what actually happened” version — and turn them into a clean, lender-ready financial package.
I dig into past challenges, explain what caused them, and show how the proposed loan structure can address the risks that matter.
Then I speak directly to the lenders, walking them through the operation, the story, the numbers, and the plan — so decisions don’t get delayed simply because the file wasn’t clear enough.
Farmers need a loan.
Lenders need clarity.
I make sure both happen.
Why Lenders Listen
Because they know I’m not guessing.
They know I’ve been in their seat.
They know the numbers will be right, the questions will be answered, and the proposed structure will make sense.
My job isn’t just to submit your file — it’s to earn the lender’s confidence.
FarmLoanFinder.com Isn’t a Lender
It’s your advocate in the lending process.
You’ll always know:
where things stand
what’s needed next
what your lender is concerned about
and how to strengthen your financial position today and for the seasons ahead
Whether you need an operating line, a refinance, a restructure, or a full financial turnaround, I’m here to help you get the clarity, structure, and momentum your farm needs.