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Profits Make Your Lender Smile – The Series for Credit Denial
By David Kohl
Many in agriculture will develop creative strategies at year-end to minimize income taxes or increase the actual loss. This is great for deferring taxes, but ...
Over the Top in Debt Levels in Credit Denial
By David Kohl
Many individuals will ask how much debt is too much debt. Well, I will give you the classic lawyer’s answer, in that it depends. The debt to asset levels will vary depending upon enterprise, repayment capacity, profitability, track record, management and, above all else, character...
Views from the Road on Real Estate
By David Kohl
Wow, this has been a hectic summer of travel, seminars and schools. I thought I would summarize some of the perspectives and observations from this past summer’s road tour...
Raising the Blood Pressure of Your Agricultural Lender- Credit Denial 101
By David Kohl
In this series of articles, we have discussed the basic financial issues that can increase your probability of being denied credit...
Financial Numbers for Credit Denial: Part II
In part I of this article, we examined repayment ability. If that factor is not feasible because of drought, low prices, high costs or bad luck, then the ag lender will look for backup. They will evaluate the working capital...
Financial Numbers for Credit Denial: Part I
By David Kohl
In two previous articles we examined a number of ways to get denied for credit. Now let’s shift gears and focus on financial numbers that will impact the credit decision...
Lenders’ View of Best Management Practices
By Dr. David M. Kohl
This year at the Wisconsin Advanced Ag Bankers School, participants were asked to identify best management practices of customers who are profitable...
More Ways to Get Denied for Credit
By David Kohl
In a previous article I discussed five ways to get denied for credit. Let’s add to the list...
Panel Views
By Dr. David M. Kohl
Recently I was part of a panel examining the future of agriculture and the economy at a school in Wisconsin. Sam Miller of M&I Bank, Carl Babler of First Capitol Ag, and I had some great dialogue with the group of lenders in attendance...
Five Ways To Get Denied For Agricultural Credit
By Dr. David M. Kohl
Many of you are fast at work in the fields, excited about the potential bountiful harvest. Livestock producers are counting their nickels and dimes, making a determination of how to make ends meet...















