Alan Blackburn and Associates Consulting


Farm Managment and Agribusiness Consultants

Farm Loan Applications

Lender Requirements

Lenders require loan applications which are supported by a business plan including risk management strategies and budget projections and the assumptions on which the budget is based.  Clients who provide this information to lenders generally attract a lower “risk margin” and therefore a lower interest rate.

Alan Blackburn is co-author of the book “Financing Your Farm” published by the Australian Bankers’ Association and the Grain Growers Association in November 2006.  Alan has also run training courses for rural bank managers and prepared resource materials, for use by farmers, for the banking industry. 

He is experienced in preparing farm loan applications and negotiating with lenders.

More information on “Financing Your Farm".

We work with clients to develop their business plan and budget projections including:

  • Examination of options                                     

  • Risk management strategies

  • Budget projections.  These may be annual budgets for an annual review or budget projections over say a 5 year period where the business plan involves farm development over a period.

Developing an Appropriate Lending Package

The loan structure chosen will impact greatly on the cost of borrowing and business flexibility.  We work with clients to ensure that they structure a lending package that will best address THEIR needs.  This may be quite different from the package suggested by a lender.

Negotiating with Lenders

We assist clients in their negotiations with lenders when requested.  This often leads to a very competitive lending package being offered and accepted.