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#015 - Australian Farmers Are About To Become VERY Rich (If They Do This) · Dollars In The Dirt

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  The Australian agriculture sector just hit a record $100 billion
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  valuation. And it's bringing with it one of the biggest opportunities
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  for Aussie farmers to make a lot of money. But most farmers
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  will never see a cent of it. That money isn't going to
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  be shared around. It's going to be captured by a small group of
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  operators. who are playing a completely different game. As
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  a broker, I see exactly how they're doing it. It's
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  not about luck. It's a specific three-step strategy
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  they use to get acquisition ready. And in this episode, I'm
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  going to break down three steps. so you can be in
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  the group that profits and not the one that's left behind. Welcome
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  to Dollars in the Dirt. I'm Brecon Curtis and this is where we break down
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  the finance side of farming so you can grow your operation, buy
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  that next property and build real wealth. Let's get into
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  it. Let's start with the hard facts. Fact number one. According
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  to Rural Bank's latest report, the median price per
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  hectare of Australian farmland has just seen its ninth
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  consecutive year of growth, rising by over 10 per
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  cent. Think about that. While the housing market
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  is up and down, your land has been on a one-way bet
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  for nearly a decade. At the same time, the
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  big players, super funds, overseas investment groups,
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  are pouring billions into the sector. And they're not
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  doing it for fun. They're doing it because the returns are beating almost
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  every other asset class. And from a broker's perspective,
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  this is ammunition. When I walk into a bank, I'm just
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  not talking to them about your farm. I'm armed with
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  an industry-wide data that proves your land is
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  a blue-chip asset. It tells the bank that lending against
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  your property is one of the safest bets that you can make.
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  It immediately puts you in a position of power. It
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  means we can ask for more and for a better term because
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  we can prove the underlying asset is rock solid. Fact
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  number two, Meat and Livestock Australia is forecasting the
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  global demand for protein will increase by another 14% by
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  2030. With most of the growth coming from Asia, they want clean,
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  safe, quality beef and Australia is their
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  number one supplier. This isn't just a
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  good season. It's locked in for a two-decade-long demand
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  boom. For a bank's credit department, this
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  is everything. It proves your future income is reliable. It
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  de-risks the entire operation in their eyes. And
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  when I can show them that your business is
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  riding on a global wave, it gives them the confidence to lend more
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  money for longer terms. It's a critical piece
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  in the puzzle for securing the large-scale loans needed
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  for expansion. It's the difference between getting a
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  loan for a new ute and getting a loan for a new property. So
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  now we know that you have rock-solid asset values, a
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  guaranteed future income and the banks are listening, but
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  there's a third piece that makes them act. And
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  that's proving you run a tight ship. The farmers who
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  are using technology to become more efficient are seeing their
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  cost of production plummet. They know their numbers down
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  to the cent. They can tell you exactly how
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  much it costs for them to produce one kilogram of beef and
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  what their profit margin is on every animal they sell. When
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  I can present a bank with financials that show a low cost
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  of production, a clear profit margin, it's game over.
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  It directly translates into higher borrowing capacity. It's not a
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  story, it's mass. And banks only care
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  about mass. They see the business that is not just profitable, but
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  it's resilient. A business that can withstand a dry spell
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  or a drop in prices because its foundations are solid. So
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  you have rising land values, guaranteed demand, and the ability
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  to become more profitable. This is the perfect storm for
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  leveraging debt, to build serious wealth. So
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  now you know about the opportunity, you're probably thinking, Brecon, how
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  do I take advantage of this offer? Well, lucky for you, I'm
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  about to spill the beans on the exact three-step strategy that
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  we use at Season Finance. This is the same strategy I've
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  used to secure hundreds of millions for farmers, and it
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  starts by getting them acquisition ready. If you'd
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  like me or my team to tail the strategy for you, drop into
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  the show notes and book a free call and we can run through your current
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  circumstances to see if we can help. Okay,
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  back to the system that we use to get the bank's money on
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  your side. First, we package your loan
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  like a professional. Most farm financials are a complete mess
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  of mixed business and personal spending. The first thing
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  I do is help you clean it up. We create a clear structure that
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  a bank can understand in 30 seconds. We present you
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  not as a farmer asking for a handout, but as a CEO of
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  a multi-million dollar operation presenting a sound investment. Banks
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  give millions of dollars to CEOs, not to messy operators. This
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  single step can instantly change how much they're willing to lend
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  you. Let me give you a real world example. I
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  had a client, let's call him John, a great farmer, profitable business, but
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  his books were a complete disaster. Personal car loans, school fees,
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  household expenses, all mixed into the farm account. And
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  the bank saw him as high risk, a chaotic operation, and wouldn't
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  lend him another cent. We spent a month cleaning it up. We separated the
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  business from the personal, created a clear P&L for the farm, and
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  went back to the bank. They just didn't approve his loan. They offered him
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  an extra half a million dollars because they could finally see the true
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  profitability of the business. Secondly, we build
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  your financial story. It's not enough to have good numbers. You
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  have to present them in the exact way a bank's credit assessor needs to
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  see them. They have a checklist and our job is to give them a
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  document that lets them tick every single box. Once we do
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  have that powerful story, I just don't go back to your local bank. I
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  take it to multiple lenders and make them compete for your business. And
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  that's how we get the sharpest rate and the most flexible terms. It's
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  about creating leverage. I recently had a client who
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  was with the same bank for 30 years. They thought they were
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  getting a good deal. I took their story to three other
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  banks. Within a week, we had an offer that was half a
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  percent lower than their current rate. On a multi-million dollar
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  deal, that's tens of thousands of dollars a year straight
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  back into your pocket. That's the power of competition. And
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  thirdly, and this is the killer move, we build your war
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  chest before you need it. The farmers who win are the ones who are
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  ready to strike when the opportunity appears. As your
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  broker, my job is to get you a pre-approval sorted today.
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  We figure out your maximum borrowing capacity and we get
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  the facility approved. and we have it sitting there
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  ready to go. And that's what we call acquisition ready.
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  It means when the property you've been waiting for finally comes up for sale, you're
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  not the guy scrambling to get the tax returns in order. You're
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  the one making the phone call, signing the contract that afternoon, and
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  that is the power of having your finance locked and loaded. It
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  means you can negotiate from a position of strength, you can move faster than
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  anyone else, and you can seize opportunities that
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  That $100 billion valuation isn't just a headline. It's
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  a signal that the game has changed. The money is there, the
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  opportunity is real, but it will only be captured by those who
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  are prepared. Getting prepared isn't something you do on your own.
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  It's something you do with a professional who knows the system. My
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  only question is, are you going to position yourself to take
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  advantage of it? Thanks for tuning in to Dollars in the Dirt. If you've got
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  value from today's episode, make sure to subscribe so you never miss
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  the insights you need to grow your business. And if you're ready to stop being just another
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  number to the banks, visit Season Finance via the link
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  in the show notes. Remember to follow us on socials and catch you