Our goal at Lending Valley is to provide all small business owners access to the best loans possible for their business. You can rest assured we will get you the best rates in the market!
Cattle Ranch Loans have never been this easily accessible in this past. We have made the process so easy and efficient that you can have a cattle loan in as little as 60 minutes!
Beef cattle is an almost $30 billion industry in the U.S. right now!
U.S. cattle and beef farmers raise 7% of the world’s cattle—but 20% of the world’s beef supply.
Cattle ranchers provide more than a million jobs nationwide. If that’s not enough, 75% of the country’s wildlife live on ranch land.
If living the classic American rancher’s dream is your goal—we’re not surprised. The great outdoors, and making an honest living off your land and animals, escaping the rat race—it all sounds idyllic.
But that idyllic lifestyle—like most business dreams—requires money.
Whether you’re a legacy ranch owner or new to the cattle farming industry, finding funding could be on your To-Do list at some point. If you find yourself in this position, a cattle ranch loan for farmers could be a good choice for you.
Our people at Lending Valley have rounded up everything you need to know about cattle ranch loans—what they are, who might need one, and how to get the ball rolling and chase your dreams right now.
A cattle ranch loan is financing to help farmers in the beef sector to operate their business effectively, expand their land or operations, or to expand into ranch ownership.
The main purpose of a cattle ranch loan or a cow loan is to:
In the past, ranchers needed to wait weeks or months to be approved for loans to support their businesses. Fortunately, more and more business owners are taking advantage of the new lending structure. New lending can support your business and have the funds you need in your account—less than 48 hours from when you submit your application.
With this kind of agility, you get a jump start on your business goals—whether that’s inland purchasing, equipment, livestock, or working capital.
A cattle farm loan is an option to consider seriously if you can say yes to any of these scenarios:
30% of failed U.S. businesses do so because of a capital shortfall. We can’t help but wonder if these businesses knew how easy it can be to source financing quickly. If you partner with a lender who knows where to find the best lending deals for your needs, you don’t need to be a statistic.
If you need a loan, and you own a cattle ranch—then yes, a cattle ranch loan could be a strong option for financing your business.
Fortunately, the expert team at Lending Valley knows where to look when it comes to sourcing financing for our clients.
Financing requirements for cattle ranch owners are similar to those of other business owners in the agricultural sector—but with some very unique differences. Lending Valley has worked with clients from the cattle industry for a pretty long time, so we understand these differences—and the way they affect our clients’ needs.
Cattle ranch owners can require a business loan for a variety of reasons. Some of these include:
The cattle & beef industries require great flexibility in how they manage seasonal and market fluctuations. Unexpected weather conditions, seasons which are drier or wetter than usual, and changes in market trends can all impact a rancher’s financial planning. We understand the difference between fluctuations and trends, which gives us the flexibility to lend with confidence.
On the back of the first point, ranch owners need to be open to opportunities to increase revenue streams. As more ranches open to the public for tours, fishing, and hunting, ranch owners have demonstrated a willingness to cater to tourism demands. If you find yourself willing—but financially unable—to capitalize on market trends, a cattle ranch loan can help.
Often, clients seek out capital to cover changes in regulations around their livestock—to cover new vaccination schedules or medical treatments—or to improve feed quality or housing. Adverse weather conditions—like drought, heavy rains, storms, etc.—can all impact your budget.
Similarly, you may just need to increase the size of your herd, purchase replacements, or buy store stock at short notice. A cattle loan is your best option if you are short on capital and need to be long on herd size.
In the lifetime of any agriculture business, outbuildings and equipment can deteriorate. Storms can also add to on-ranch stresses, and your business may find itself in a position where it needs to make major repairs. If you require funding to replace or repair sheds, stables, or fences, a cattle ranch loan may be a good solution.
When a ranch owner—or potential ranch owner—is looking for a loan to purchase land, your lender is likely to ask some questions. These can include:
Whether you are a new business or an established legacy ranch will influence the kinds of questions a lender needs to ask. Having the answers to these questions up-front will speed up the application process when you are ready to apply for a loan.
The value of your collateral is a guarantee to lenders of your ability to service a loan.
It can include the value of the real estate, equipment, or livestock you wish to purchase. It can include the value of assets you already own.
Lenders also take into account your net worth, which can be analyzed in several ways.
Assets and liabilities—which you can find in your financial statement—help us look at ways we can offer a financial solution that works for your specific business. It gives us some idea of how stable your business is, financially.
Cash flow is established on the amount you can expect your cattle ranch to earn, less expenses and potential loan repayments, over the course of the loan term.
Your cash flow is the expected earnings of your business over the term of your loan and helps us to understand how much your ranch can afford to borrow. No responsible lender should attempt to loan a business more money than it can comfortably afford to borrow, and it is incredibly important that you—as a business owner—understand your cash flow for this reason.
The best loan for your cattle business is the one that supports you to achieve your business goals, without providing undue financial pressure or hardship during its term.
Our team at Lending Valley are experts in sourcing the best finance for your cattle ranch.
It’s important to understand that the terms of each loan option can vary, as can interest rates, and we present these to you in clear and understandable language.
To do this, it’s important that we understand your operations and how each factor of your financial situation interacts with the rest.
When we present your loan options to you, the interest rates and repayment terms will be influenced by your financial history, the financial performance of your business, the amount you want to borrow, and your preferred repayment terms. These factors can also play a part in fees and special interest rates or quick repayment bonuses/penalties.
Applying for your cattle ranch loan is simple, and it can put the capital you need in your account within 24 hours.
Owning and operating a cattle ranch is incredibly rewarding—both as a lifestyle and as a business. Our goal is to support your capital needs as you establish your ranch and grow a thriving business.
If you’re ready to take the first step, our expert team at Lending Valley is ready to help.
Ready to get started? Click here and we’ll coach you through your loan application.
