#028 - Stop Letting Your Bank Build Your Farm Budget

#028 - Stop Letting Your Bank Build Your Farm Budget

Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled [https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled] Banks build compliance budgets to protect their loan book, not to grow your business. In this episode, Brecken shows how to take control of your numbers, restructure finance, and build a strategic growth budget that reflects your farm’s true potential. ◼️ Why bank‑built budgets limit borrowing capacity and growth ◼️ How timing errors and generic assumptions distort cash flow ◼️ The power of a strategic growth budget to negotiate from strength Timestamps: 00:00:00 Introduction 00:00:20 - Restructuring Working Capital 00:00:42 - Conflict of Interest with Banks 00:01:45 - Strategic Purchases and Budgeting 00:02:37 - Understanding Farm Operations 00:03:41 - Strategic Growth Budget 00:05:06 - Negotiating from Strength Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en [https://www.instagram.com/breckenfinancebroker/?hl=en] Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ [https://www.facebook.com/people/Brecken-Curtis/61575665536876/] TikTok: https://www.tiktok.com/@brecken_curtis [https://www.tiktok.com/@brecken_curtis] LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ [https://www.linkedin.com/in/brecken-curtis-8716323aa/] Seasoned Finance: https://seasonedfinance.com.au [https://seasonedfinance.com.au/]

#027 - The $2.9B Farming Revolution (Virtual Fencing!?)

Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled [https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled] Virtual fencing has moved from gadget to $2.9B industry, but banks don’t automatically fund innovation. In this episode, Brecken shows how to build a bulletproof finance case so lenders see the upside, not just the risk. ◼️ Why banks treat ag tech as expense unless ROI is proven ◼️ How to structure finance terms to match technology lifespan ◼️ The broker’s edge in translating innovation into credit approval Timestamps: 00:00:00 Introduction 00:00:30 - Structuring a Finance Proposal 00:00:41 - Bank's View on Ag Tech 00:01:22 - Capital Expense vs. Business Improvement 00:02:04 - Loan Options for Ag Tech 00:02:36 - Translating Investment into Bank Terms 00:03:29 - Aligning Loan Terms with Technology Lifespan 00:03:51 - Importance of Capital Management 00:04:12 - Broker's Knowledge of Lenders 00:05:16 - Innovation vs. Conservative Lending Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en [https://www.instagram.com/breckenfinancebroker/?hl=en] Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ [https://www.facebook.com/people/Brecken-Curtis/61575665536876/] TikTok: https://www.tiktok.com/@brecken_curtis [https://www.tiktok.com/@brecken_curtis] LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ [https://www.linkedin.com/in/brecken-curtis-8716323aa/] Seasoned Finance: https://seasonedfinance.com.au [https://seasonedfinance.com.au/]

#026 - The $1.48 Trillion Farmland Valuation

Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled [https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled] Australian farmland has hit $1.48 trillion, but higher valuations don’t automatically make producers wealthier. In this episode, Brecken breaks down how top operators turn unrealised equity into resilience, cash flow and long term security before the cycle cools. ◼️ Why sitting on equity keeps farmers asset rich and cash poor ◼️ How strategic off farm assets create monthly income and drought resilience ◼️ The succession advantage created by deploying equity early Timestamps: 00:00:00 Introduction 00:00:10 - Understanding Equity vs. Cash Flow 00:01:03 - Leveraging Equity for Business Growth 00:02:17 - Diversifying Off-Farm Investments 00:03:43 - Strategic Infrastructure Investments 00:04:36 - The Importance of Water Management 00:05:28 - Succession Planning and Wealth Transfer 00:06:21 - Taking Action While Valuations are High 00:06:43 - Conclusion: Building a Stronger Business Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en [https://www.instagram.com/breckenfinancebroker/?hl=en] Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ [https://www.facebook.com/people/Brecken-Curtis/61575665536876/] TikTok: https://www.tiktok.com/@brecken_curtis [https://www.tiktok.com/@brecken_curtis] LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ [https://www.linkedin.com/in/brecken-curtis-8716323aa/] Seasoned Finance: https://seasonedfinance.com.au [https://seasonedfinance.com.au/]

#025 - How to Read a Bank Term Sheet (And Spot the Hidden Traps)

Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled [https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled] A low interest rate can look like a win, but the real cost is buried in the structure, the fees and the fine print. In this new episode, Brecken breaks down the five step framework he uses to read a term sheet properly and expose the traps that cost producers thousands every year. ◼️ The hidden fees that quietly add thousands a year ◼️ How banks over secure loans and tie up unnecessary assets ◼️ The covenants and review clauses that can trigger a breach Timestamps: 00:00:00 Introduction 00:02:22 - Understanding Loan Structure 00:03:36 - Negotiating Security 00:06:35 - Evaluating Covenants 00:07:40 - Review Periods and Revaluations 00:09:37 - Conclusion and Key Takeaways Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en [https://www.instagram.com/breckenfinancebroker/?hl=en] Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ [https://www.facebook.com/people/Brecken-Curtis/61575665536876/] TikTok: https://www.tiktok.com/@brecken_curtis [https://www.tiktok.com/@brecken_curtis] LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ [https://www.linkedin.com/in/brecken-curtis-8716323aa/] Seasoned Finance: https://seasonedfinance.com.au [https://seasonedfinance.com.au/]

#024 - Ranking Banks For Ag Finance

Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled [https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled] Choosing a bank is not just about the lowest rate, it is about finding a lender that understands agriculture and can structure a deal that fits your operation. In this new episode, Brecken ranks the major banks based on real performance, policy flexibility, turnaround times, and how well they support producers today. ◼️ How each major bank is positioned in ag right now ◼️ Which lenders are slow, understaffed, or pulling back ◼️ Which banks are growing and offering more flexibility ◼️ Why the cheapest rate often costs more long term ◼️ How the right bank can save $40k to $50k a year on a $2 to $3M loan Timestamps: 00:00:00 Introduction 00:00:31 - Commonwealth Bank Overview 00:01:46 - ANZ Bank Assessment 00:02:59 - NAB's Role in Agricultural Finance 00:03:41 - Westpac's Resurgence in Ag Banking 00:04:33 - Rabobank's Unique Offerings 00:05:49 - Introduction to Judo Bank 00:06:30 - Bendigo Bank's Flexibility 00:07:55 - Importance of Comparing Bank Options 00:08:57 - Understanding Your Business Needs Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en [https://www.instagram.com/breckenfinancebroker/?hl=en] Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ [https://www.facebook.com/people/Brecken-Curtis/61575665536876/] TikTok: https://www.tiktok.com/@brecken_curtis [https://www.tiktok.com/@brecken_curtis] LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ [https://www.linkedin.com/in/brecken-curtis-8716323aa/] Seasoned Finance: https://seasonedfinance.com.au [https://seasonedfinance.com.au/]