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Lower Your Farm Loan Payments, Improve Cash Flow |
Improved cash flow starts with managing what you can control. Whether you're reviewing an existing Compeer loan or exploring refinancing from another lender, adjusting your loan structure may help lower payments and create more flexibility for your operation. |
How Could Restructuring Your Financing Help? |
Lower payments Restructuring your loan terms can reduce what you owe each year, giving you more breathing room without starting over financially. |
Improve cash flow When your debt payment drops, that difference stays in your pocket. Put it toward your operation, property improvements, or building reserves. |
Simplify your debt structure Multiple loans with different terms and due dates add up fast. Consolidating into a single payment makes it easier to manage and plan ahead. |
Gain future rate flexibility Gain future rate flexibility. when rates drop, eligible Compeer borrowers have the option to convert their rate within their current loan structure. |
Existing Payment |
Loan balance |
$500,000 |
Remaining term |
30 years |
Interest rate |
6.75% |
Annual payment |
$45,624.84 |
New Payment Scenario |
Loan balance |
$500,000 |
Remaining term |
20 years |
Interest rate |
6.75% |
Annual payment |
$39,662.62 |
Potential annual cash flow improvement $6,962.22 |
Rates and monthly payments provided for example only and do not necessarily reflect actual rates or payment amounts. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend or extend credit. Terms, conditions and programs are subject to change without notice. |
From the People We Serve |
"When interest rates dropped a few years ago, our family was able to go through and convert all our mortgages - including some land purchase. It's been very easy to go through with conversions and work with Compeer on it"
Cheryl Cowser |
"Anytime interest rates come down, my loan officer reaches out to me and lets me know what's going on and how it can help me. That's what they are here for. And that's one of the biggest benefits of working with Compeer."
Jacob Lynn |
Step 1: Meet with a Financial Officer
Start with a conversation. Your Compeer financial officer will take the time to understand your operation, goals, and what you're working with today. |
Step 2: Review Your Current Financing
We'll take a close look at your existing loan structure (terms, payments, and how everything fits together) to identify where there's room to improve. |
Step 3: Explore Options to Improve Cash Flow
Whether restructuring a loan, consolidating debt, or adjusting your terms, we'll walk you through what's available and what makes sense for your situation. |
Step 4: Implement the Right Financing Strategy
Once you've landed on the right path, we handle the details and get your new structure in place. |
Let's Explore Your Loan Structure Options |
Every operation is different. Talk with a Compeer financial officer about opportunities to improve cash flow and structure financing around your goals. |
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Compeer Financial is an equal opportunity employer and provider, and an equal credit opportunity lender. Mortgage Account Errors, Requests for Information, and Credit Reporting Disputes – If you would like to request information concerning your mortgage account, or if you believe there is an error on your mortgage account or that Compeer Financial has furnished information to a credit reporting agency on any of your account(s) that is not accurate, you will need to send a written statement to us describing in detail the information you are requesting or the information you believe is in error or inaccurate along with your name, address, and account number to Compeer Financial, Attn: RLS Servicing, PO Box 4459, Mankato, MN 56002-4459. |
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