In 2017, a Kansas farmer tripled his acres and took on $27 million in new debt. Two years later, the entire operation was bankrupt. We always blame the farmer, but where was the bank?. The scary truth is that your multi-million dollar legacy is often sitting on the desk of a 25-year-old underwriter who has never stepped foot on a farm. They don’t understand the timing gaps, the soil, or the reality of your cash flow—they just look at a spreadsheet and hit "approve" on a foundation built on sand.
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