Empowering Lenders to Better Support Agricultural Growth: Introducing the Admin Flex Payment Full Open Loan
Managing cash flow and securing long-term financing: These are major challenges for farmers. Seasonal income, market shifts and rising costs make it difficult to maintain steady cash flow while managing debt for land and equipment.
However, ag lenders who want to provide competitive financing also face significant hurdles: How do you stay competitive while balancing risk and liquidity management?
The Admin Flex Payment Full Open Loan from Agri-Access bridges this gap. This new secondary lending solution offers:
- Reduced payments for lower annual debt service
- Extended term financing
- Predictable financial planning
The result is a unique loan that’s structured around the ideal of equipping farmers to grow their businesses. At the same time, lenders can expand their portfolios into the ag sector, strengthen relationships all while protecting liquidity.
Explore the core benefits below.
Reduced payments for lower annual debt service
Maintaining adequate cash flow is a constant priority for farmers. The cost of doing business is often on the rise, seldom falling, whether you’re talking about land value, construction costs, purchasing inputs or paying taxes.
The Admin Flex Full Open Loan provides a powerful solution for farmers to stay in control of their working capital. Unlike traditional loan structures, this product requires just 1% of the original loan amount to be repaid annually toward the principal.
The result: Farmers have a significantly lower debt service, and more cash on hand to reinvest in their operations. This level of financial flexibility allows farmers to address their most pressing needs, such as:
- Managing higher operational costs
- Expanding into new commodities or products
- Navigating unforeseen challenges
This unique loan gives farmers the breathing room they need to focus on sustainability and growth. For lenders, a reduced principal loan is a highly competitive loan product – so you can continue to build and maintain trust and loyalty.
Loan conversion for greater financial control
Access to ag loans is essential for growing and expanding a farming operation. But farmers also need the flexibility to pivot and allocate resources to best serve the needs of their farming operations as they continue to grow and evolve. Having the flexibility to refinance for better terms, reinvest profits or free up working capital can put farmers in the best possible position for growth. However, prepayment penalties on existing loans can make these strategic moves more difficult or counterproductive.
The Admin Flex Payment Loan offers farmers the latitude to convert their loans. This empowers them to make financial decisions that best support their operations and adapt to changing circumstances.
In farming — as in any business — success often depends on the ability to adapt quickly. The Admin Flex Payment Loan supports that by giving farmers greater financial control.
Long-term financing for sustainable growth
Lending for capital improvements can create uncertainty for farmers, making financial planning difficult. Even when the payments may seem manageable, unexpected rate changes can disrupt operating budgets.
The Admin Flex Payment Loan restores predictability and transparency in lending. Interest rates reset every 3, 5, or 30 years based on the Admin net yield index, offering a balance between rate stability and the ability to adapt to market conditions.
This transparency builds trust and confidence in long-term financial planning. This helps farmers avoid unwelcome surprises and maintain control over their business finances.
Expand your lending portfolio with Agri-Access
The Admin Flex Payment Loan from Agri-Access is a strategic financing solution designed to help farmers grow and succeed. With reduced principal payments, long-term lending options and flexible repayment terms, it gives farmers the financial flexibility they need to drive growth.
As a secondary lending option, this product also helps safeguard your liquidity, allowing you to expand your lending portfolio while effectively managing risk.
Ready to deliver exceptional value to your ag customers? Visit the Lender Portal for full details on the Admin Flex Payment Loan, or schedule an appointment with your Relationship Manager today to get your questions answered.
