FAQs

What exactly do you do?

I help farmers secure the financing they need by building a complete, lender-ready financial package and managing the entire communication process with lenders. I dive deeply into your numbers, explain past challenges clearly, propose a loan structure that mitigates lender concerns, and keep the process moving so nothing gets delayed.

Farmers need a loan.
Lenders need clarity.
I make sure both happen.

Do you guarantee I’ll get a loan?

No — but I guarantee my effort, attention, and process.

I can’t control lender decisions.
What I can control is clarity, completeness, and communication.

You provide the raw financial information.
I turn it into a clean, professional, lender-ready package and ensure lenders understand your operation and have every question answered quickly.

Why can’t I just call lenders myself?

You can — but incomplete or messy financial information damages confidence, and delayed communication slows everything down.

Most farmers are in the field, managing employees, or without cell service when lenders call with important questions. If the lender can’t reach you at the moment they’re reviewing your file, the file often gets set aside for days.

I keep your file moving.
I answer questions quickly.
I make sure momentum isn’t lost.

What types of loans can you help with?

I work with anything related to farm finance:

• Operating lines
• Real estate loans
• Refinancing
• Restructures
• Debt consolidation
• Distressed situations
• Bridge loans
• Turnaround plans

If your operation needs financing, I can help prepare and guide the process.

My lender hasn’t said “no”… they’re just taking forever. Can you help?

Yes — this is the most common situation I see.

Banks prefer to say “not yet.”
But farming runs on deadlines — your operation doesn’t have the luxury of waiting.

I bring traction, clarity, and speed back into the process so you don’t lose opportunities, discounts, or time.

What if my finances are messy?

Most farms’ finances are messy.
Multiple entities.
Different landlords.
Insurance claims.
Delayed payables.
Year-to-year irregularities.

I don’t judge the numbers.
I organize them so lenders can make a decision.

Do lenders like working with you?

Yes — because I speak their language.
I’ve been in their seat, so I know what slows them down and what builds confidence.

Lenders appreciate a clean, accurate package with consistent communication and fast answers. When they understand the numbers, the challenges, and the structure, decisions move faster.

What does your process look like?

My process is simple and clear:

  1. Deep dive into your financials

  2. Build a clean, professional, lender-ready package

  3. Identify the right lenders

  4. Talk directly with lenders on your behalf

  5. Keep momentum strong

  6. Support negotiation and structure discussions

You run the farm.
I handle the finance.

How do you get paid?

I charge a flat fee for the initial financial deep dive.
If — and only if — a loan closes, I earn a percentage of the secured financing.

No loan = no success fee.

Are you a CPA?

No.
I don’t prepare tax returns or audits.

My work focuses on farm financials, lender communication, loan structure, turnaround planning, and presenting your operation in a way lenders can approve.

Do you help farms near bankruptcy?

Yes — frequently.

I help negotiate with vendors, manage past-due payables, rebuild lender confidence, propose sustainable structures, and craft turnaround plans.

If bankruptcy is avoidable, we work to avoid it.
If it isn’t, I help position the farm to continue operating afterward. Many farms do.

Bankruptcy is a reset — not an ending.

Why should I trust you with my financials?

Because I’ve lived this from every angle.

I’ve been:

• A commercial real estate lender during the 2008–09 financial crisis
• A CFO for a large, multi-entity grain operation for more than 16 years
• A financial advisor to distressed farms across Kentucky and surrounding states

Nothing you bring me will surprise me.
My only goal is to understand your operation deeply and help you secure the financing necessary to move forward and start turning things around.

Who do you work with?

I primarily work with:

• Grain farms (corn, soybeans, wheat)
• Multi-entity operations
• Farms needing new or renewed operating lines
• Farms refinancing or restructuring
• Farms in distress or close to bankruptcy
• Farms managing past-due vendor balances
• Farms who want clearer financials and stronger communication with lenders

If your operation needs financing — urgently or proactively — I can help.

How do we get started?

Simple:

  1. Schedule a call

  2. Share your financial information

  3. I begin the deep dive

  4. We build the lender-ready package

  5. I present your story, numbers, and structure to the right lender

You don’t need to prepare anything fancy.
Just bring the real numbers — I’ll take it from there.