Financial Habits of Successful Farm Operations

Relationships still matter.

In this episode of What’s Working in Ag, Tanner sits down with TJ Roemmich, Chief Credit Officer at Conterra Ag Capital and employee number one at the company, to discuss how successful farmers position themselves for growth, how lenders evaluate risk, and what producers can do when finances become challenging.

TJ shares insights from more than a decade helping producers navigate farm real estate lending and explains why strong financial records, clear communication, and trusted relationships remain critical in today’s agricultural economy. While technology continues to change the way business gets done, agriculture is still a people business where face-to-face conversations and long-term partnerships create opportunities.

Topics include:

• Why relationships continue to be one of the most valuable assets in agriculture
• How Conterra approaches lending and farm financing
• Common reasons farmers receive loan denials
• Practical ways to improve a financing application
• The importance of accurate financial statements and strong recordkeeping
• How producers can turn a “no” into a future “yes”
• Managing working capital and controlling fixed costs
• Current farmland market trends across different regions
• Why quality farmland continues to outperform weaker properties
• Beginning farmer financing opportunities through USDA and FSA programs
• Advice for young and beginning producers looking to build their operations
• The role of trusted advisors, CPAs, and financial planning in farm success

Whether you’re preparing for your first operating note, considering a land purchase, or simply looking to strengthen your farm’s financial position, this conversation offers practical advice that can help producers make better business decisions and position themselves for long-term success.

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