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

#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/]

#023 - The Most COMMON Farm Finance Questions I Get Asked

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 lot of producers think growth under Albanese is impossible, but the operators still expanding aren’t relying on luck or waiting for policy to shift. They’re building a business model that can absorb rising costs, tightening environmental rules and a banking system now watching your ESG footprint as closely as your numbers. In this new episode, Brecken breaks down the five questions farmers ask him every week, and why the smartest operators approach each one differently. This episode covers ◼️ The real considerations behind fixed vs variable decisions ◼️ Why comparing your rate to your neighbour’s tells you nothing about your deal ◼️ How banks assess borrowing capacity and why it varies so widely ◼️ What lenders will and won’t finance across different asset types ◼️ Why predicting property prices is the wrong strategy for long‑term growth Timestamps: 00:00:00 Introduction 00:00:52 - Fixed vs. Variable Interest Rates 00:03:18 - Comparing Interest Rates with Neighbors 00:05:04 - The Role of a Finance Broker 00:05:46 - Understanding Borrowing Capacity 00:07:09 - Should You Borrow the Maximum? 00:07:30 - What Can You Borrow Money For? 00:08:45 - Predicting Property Prices 00:10:20 - Getting Started in the Rural Industry 00:11:55 - Focus on Structure, Cash Flow, and Strategy 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/]