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Are your farm finances structured correctly?

Many farming businesses have a significant overdraft facility in place to enable continual trading through periods of natural troughs in the cash flow. Very often we see capital expenditure put on the overdraft, which can result in the negotiation of an increase in overdraft facility at the next renewal, or sometimes sooner. The overdraft facility does have a number of advantages, most importantly it provides flexibility. However, borrowing on an overdraft facility is often an expensive way to borrow money, with high annual arrangement fees, and higher interest rates than other options. An overdraft facility also does not offer a structured repayment plan. Restructuring of the farm finan



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