Typical reasons for financing in agriculture
- Investments in buildings and machinery
- Purchase of agricultural land
- Purchase of a business or parts of businesses
- Working capital financing
- Consolidation / refinancing
- Replacement of a departing partner
Typical types of financing
With borrowed capital:
With capital resources:
- Take-up of bank loans
- Equity financing (investors)
- Dealer financing
- Financing by means of subsidies
- Leasing / hire purchase
- Financing from profits/cash flow
- Inclusion of shareholder loans
- Increase in the share capital, etc.
IAK's core competencies
- Member of the permanent working group of banks and insurance companies of the German Agricultural Society (DLG) since 11/2010
- Acquisition of bank loans of any kind
- Acquisition of private investors
Lending and credit conditions are significantly dependent on the rating of the company!
Ratings are based on timely and complete information of the company.
Important rating criteria:
- Earnings, financial and asset situation (annual figures)
- Account management behavior
- Management skills of the executive staff
- Company planning documents
"A bank is a place that will lend you money if you can prove that you don't need it."
Mark Twain (1835-1910)
- Creation of business plans
- Development of multi-year profit and loss projections
- Creating sector related budget plans
- Preparation of detailed liquidity and financing plans
- Establishing contacts to credit institutions, investors and lessors
- Accompaniment at bank meetings
- Renegotiation of loan terms after expiry of interest periods
- Rescheduling or deferral applications of interest and principal payments
- Contract reviews
- Conducting due diligence in preparation of funding
- Financing for change of ownership
- Cooperation with private investors
Our references in the field of finance
IAK is an independent, practical and customer-oriented service company and has extensive contacts with reputable banks in the agricultural sector.
For more than 10 years, IAK has maintained solid business contacts with private investors.
Please do not hesitate to ask us for our numerous references!