What Lenders Look For When Financing Ranch Equipment and Land

Rising equipment costs, land values, and input prices mean more ranchers are turning to financing - not because they're struggling, but because they're making strategic decisions to grow their operations. In this episode, we sit down with Hollie Bunn from United Producers, Inc. (UPI) to demystify ag loans and help you understand what lenders are really looking for.

Hollie breaks down the key differences between financing land versus equipment, what documentation you need to have ready, and the common mistakes that can delay or derail your loan application. Whether you're a first-time borrower looking to expand your herd, a young producer trying to get started, or an established operation upgrading equipment, this conversation will help you approach financing with confidence.

We cover real-world examples of ranchers who've successfully secured financing for herd expansion and equipment upgrades, plus the action steps you should take before ever walking into a lender's office. Financing doesn't have to feel overwhelming - it's a tool that, when used strategically, can help move your operation forward.

Key Takeaways:

• What lenders want to see: records, credit, cash flow, and collateral
• Tips for first-time borrowers and smaller operations
• Questions you should ask lenders before signing anything
• How to prepare your operation for financing approval

Ready to put this into action? Register now for the LiveAg End-of-Year Live Virtual Equipment Auction on December 16th. Browse tractors, balers, trailers, livestock handling equipment, and more from trusted operations across the country—then get pre-approved for financing to make your purchase happen. Whether you're upgrading your operation or adding proven machinery to your fleet, this is your chance to invest strategically in equipment that works as hard as you do.

Register to bid: https://heyor.ca/wg21Sg