Needed a small loan for the farmland we bought this spring. I didn't know what to expect, went to the banker with a few papers. I've heard ag loans are tightening up.
Anyhow an hour later he said the loan shouldn't be a problem, if we want to talk to their investment division some day that would be great, and he never really asked for anything beyond 3 years of tax returns, they created whatever cash flow or balance sheet they needed from that. We had hard collateral for the loan which made it easy, but still I was expecting a lot tougher. Was fortunate I'm small enough I don't need the year to year loan for consumables, that is harder to find any more.
I remember the 80s. It gets to be a wild ride. As much as I like auctions, I got sick of yet another one back then......
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