I don't farm right as you all have noticed with my messages here and at NAT.
I'm way too small.
Have pretty much kept out of debt.
Was pretty funny in February going to a bank for a loan on that land the neighbor sold me, walk in the door not knowing anything much about loans and not having much loan history. I brought a few papers along with me I hear bankers like to see, just random tho. While I've done business with the bank in the past I only had a $50 account there the past few years, no real experience with that back. Went to thrm because our neighbor was using thrm and liked them, and it made the extremely tight timeline we had easier if I used the same bank.... Our neighbors put in good words for us I guess.
After about 45 minutes he put his pencil down and just started chatting with me, not taking notes any more.
When I left the loan wasn't going to be a problem it would be under 5% (ended up 4.5), they have an investment branch if we wanted to visit with them, they also have personal loans if we need some funds from time to time to bridge across time periods, and so forth.
It went better than I thought it would. Didnt know what to expect. I realize my skimpy paperwork would have to prove out over the next couple of weeks, but sure was fast and easy to get a loan, bout an hour and a handshake.
I'm thinking of putting oats on half of what we bought, clearly a wrong crop to put on corn/bean land. And my big tractor was in the shop missing an engine at the time this was going on. Also, the place my wife works was put up for sale, never know what happens there.
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