E96 | A Lender's Perspective for Farmers with Banker Bryce Havlovic

Episode Summary

In this episode, Garrett sits down with agricultural lender Bryce from CharterWest Bank to give producers a clearer understanding of what lenders actually look for — and how you can set yourself up for a smoother, more successful loan renewal process.

They break down the realities of farm financing, why equipment and land decisions can't be based on "justifying" the numbers, and how being organized with your financials can save you real money through better rates and stronger lending relationships. Bryce shares his lender insights, including the biggest mistakes producers make, what separates strong borrowers from struggling ones, and why communication and character matter more than most think.

From the 5 C's of credit to building a balance sheet that actually reflects your operation, this episode provides insights into the lending process and gives you practical steps to strengthen your financial position heading into the new year.

This week's discussion on banking with Bryce we dive into these important topics:

• The biggest financial traps producers fall into
• What makes a loan process smooth for both sides
• How Pioneer Farmer's system helped Garrett secure financing
• The 5 C's of Credit — and which one matters most
• How organization can literally earn you better interest rates
• How to prep for year-end and renewal season
• Why communication is the foundation of every lender–producer relationship

Resources & Links:

• To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here!

Connect with Bryce:

• CharterWest Bank Website

Connect with Garrett:

• Follow on Instagram - @garrettruskamp
• Follow on Facebook - Garrett Ruskamp
• Follow on TikTok - @garrettruskamp
• Learn more about Pioneer Farmer here!

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