Lender Negotiation Services
In addition to assisting with day to day accounting, payroll, and tax projects, there is often a need to focus on improving the relationship between producers and their operating lenders.
Lender Negotiation Services include:
- Loan Applications and Lender Negotiations
- Crisis Management Assistance
- Forensic Accounting Analysis
- Historical Financial Analysis on a Cash and Accrual Basis
- Monitor Operating Line of Credit and Bank Account Status
- Prepare Routine Monthly, Quarterly, and Annual Reports for Lenders
- Enterprise Analysis and Cropping Decision Models
- Long Term and Short Term Budget Preparation
- Business Plans and Viability Analysis
- Budget Variance Reports
- Periodic Analysis and Reporting of Operating Performance
Crisis Management is one of AgBusiness Services’ specialties. In the event of financially stressful situations, AgBusiness Services can provide a detailed, independent, objective analysis of a producer's current position as well as various alternative operating plans to achieve the producer's goals. Dynamic budgets can be prepared, based on historical and current data, to illustrate how changes in production, price and other variables could impact the profitability and cashflow of the farming operation.
This evaluation often entails an in-depth review of the client's accounting practices and procedures. Financial statements can be prepared from verified sources and reconciled with earnings statements. Tax returns can be analyzed for accounting errors and correlated to prior years’ returns and accrual based reports. Upon completion, an accurate representation of an agri-business's current position and its historical basis is available for all pertinent parties.
AgBusiness Services can provide monitoring services for the producer and/or the lender. Typically these services involve interim financial statements, budget variance reports, budget revisions, inventory tracking, sales analysis, implementation and support of improved accounting procedures, and other specialty projects uniquely tailored to the current operation.
I enjoy working closely with my clients to determine the best possible solutions and assist with the presentation and negotiation of alternatives with their existing or new lenders. If necessary, I also work collaboratively with your attorneys and CPAs. Often the improved level of reporting and communication can result in immediate relief from intense lender demands.
AgBusiness Services is committed to serve the needs of Willamette Valley and other Oregon producers in their efforts to achieve greater success. I would welcome the opportunity to review and discuss your situation as well as the potential benefits available from AgBusiness Services.
Call or email anytime to schedule a confidential appointment to discuss how AgBusiness Services can assist in your lender negotiations. There will be No Charge for our first discussion.