As the Year Wraps Up, So Does Another Growing Season
Between harvest and the holidays, it’s easy for financial prep to fall to the bottom of the list. But taking a few key steps before year-end can make a major difference in your operation’s financial health — and set you up for success heading into 2026.
At Ag Lending Group, we work with producers across the country who are looking to close out their books, manage cash flow, and position their operations for growth. Here are a few ways to make the most of the season — and how our Fast Track Loan Program can help you act fast when opportunity knocks.
1. Review Your Balance Sheet and Cash Flow
Now is the time to take a close look at your operation’s financial position.
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Update your balance sheet to reflect any changes in assets, liabilities, or equipment.
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Review income and expense reports to see how you performed against last year.
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Identify areas where cash flow was tight or unexpected expenses appeared.
Understanding your numbers helps you make confident decisions about refinancing, expansion, or new investments before tax season.
2. Talk With Your Accountant About Tax Strategy
Year-end is the ideal time to meet with your accountant or financial advisor. Discuss ways to maximize deductions, such as equipment purchases, prepaying expenses, or refinancing existing loans to reduce interest costs.
For many farmers, timing matters. Acting before December 31 can lead to significant tax savings — and having access to quick financing can make that possible.
3. Re-Evaluate Your Loan Terms and Interest Rates
Interest rates have fluctuated over the past year, and many borrowers are finding opportunities to refinance or restructure debt on better terms.
Ag Lending Group’s Fast Track Loan Program is designed for borrowers ready to move quickly — with decisions made in as little as 24 hours once your application and tax return are received.
With:
✅ 700+ credit score
✅ Up to 65% loan-to-value
✅ Loan amounts from $300,000 to $5,000,000
✅ Flexible payment options (Monthly, Semi-Annual, or Annual)
…you can position yourself to lock in favorable terms while streamlining your finances going into the new year.
4. Plan Ahead for Land Purchases and Expansion Projects
If you’ve been considering expanding your operation — whether by purchasing additional acreage, refinancing an existing property, or consolidating multiple loans — the final quarter of the year is the time to act.
Completing a real estate transaction before year-end can help you take advantage of tax efficiencies, improved cash flow, or new operational opportunities heading into 2026.
With Ag Lending Group’s Fast Track Loan, you can move quickly on opportunities that make sense for your business — without waiting months for approval. That means less time on paperwork, and more time focusing on what matters most: running your operation.
5. Set Your 2026 Goals With Financing in Mind
Think beyond the books — what are your goals for next year?
Whether it’s expanding acreage, refinancing existing land, or investing in technology, having a clear financial picture now helps you start strong in January.
Our team can help you structure financing around your operational goals so you can grow with confidence — without missing a beat this winter.
Finish the Year Strong
The end of the year brings a lot of moving parts, but with a little preparation, you can make sure your financial foundation is solid and ready for growth.
If you’re considering a refinance or looking for fast, flexible financing, our Fast Track Loan Program offers pre-approval in just 24 hours.
👉 Apply today and get ahead of the new year.
www.aglendinggroup.com | 📞 (602) 223-1236