This episode takes a unique approach to ag finance:
“Think like a lender. Act like an investor. Farm like an operator.”

Jake explains how sophisticated lenders and institutional investors evaluate farming operations differently than producers often evaluate themselves. The discussion challenges farmers to step back and ask an important question:

“If your farm walked into your office asking for a loan… would you approve it?”

We break down:

What lenders actually look at first when evaluating an operation
What separates a “bankable” farm from a risky one
Why consistency and decision-making discipline matter more than acres alone
How lenders think in terms of risk while farmers often think in bushels

The conversation introduces a practical framework for understanding farm financial health through three key buckets:

Liquidity — Can you survive?

Working capital
Cash flow flexibility
Burn rate management

Equity — Can you withstand shocks?

Land values
Leverage ratios
Collateral strength

Efficiency — Can you win long-term?

Cost structure
ROI on assets
Decision quality

Jake also explains why institutional investors continue to value farmland as an asset class, what they see in agricultural real estate, and whether current farmland prices are sustainable.

Additional topics include:

Whether farmland is overpriced, fairly valued, or still undervalued
What could actually cause land values to decline
Why farmland may remain strong while farm cash flow weakens
Long-term land financing versus operating lines
Flexible financing structures and matching debt to asset life
How growth-oriented operations approach lending differently
What top-tier operators are doing differently in today’s economy
Conversations successful operators are having with lenders right now

The episode also explores how data, performance analysis, and decision-making tools used in athletics and business could transform financial management in agriculture.

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