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Financial Management Services
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Cash
Flow Analysis
The starting point of the cash flow analysis is analyzing income coming in
and expenses going out. It may include refinancing with lower interest rates or
restructuring business debt to improve cash flow. Equity provides business plans
utilizing accounting programs and reporting systems to improve employee productivity,
reporting to management in a timely manner so management can make better decisions with
current and timely information.
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Financial
Procurement Management
Many times Equity has the assignment from our clients to develop a market
plan to procure the financial resources to help the business meet their goals and
objectives. Equity's responsibility in this situation is to present the business
plan to the target market financial resources with the objective of loan approval.
Equity has the responsibility to monitor and control the loan closing for the client.
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Line
of Credit Financial Resources
It is called Pro Ag Financing. Pro Ag Financing may be utilized as a
Line of Credit. In agricultural business, Pro Ag Financing provides funding
for annual agricultural inputs such as crop inputs, family living, 1/2 cash rent up front,
repairs, insurance and interest expenses.
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objective is to help our clients be cash buyers, keep the discounts, and purchase from
suppliers of their choice with competitive prices. We promote independence and
maximize profits. We work primarily with local financial institutions, regional
banks, and farm service agencies. |
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Real
Estate Financial Resources
Equity works with many quality financial resources that offer competitive
interest rates, flexible terms to meet cash flow needs, and can lock in interest rates
from five to 20 years. Equity has many independent business relationships with
financial resources. Therefore, Equity can match the best plan for you to meet your
needs. The minimum loan size is $150,000, amortization up to 25 years, and loan
value up to 70% of the appraisal or purchase price.
Equity has developed business relations with many financial resources
such as local financial institutions, regional financial institutions, life insurance
companies, mortgage companies, state and federal funding financial resources, venture
capitalists and investors.
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Livestock
Project Financial Resources
Equity has helped many livestock business projects analyze their plans.
After analyzing the project, the second step is to develop a business plan.
The third step is to present the plan to qualified financial resources. The fourth
step is to monitor and control the loan closing process.
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Accounting
& Information Management Resources
Equity may provide clients a complete accounting resource, focusing on
client business details so a client may focus on what they do best.
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Leasing
Financial Resources
Leasing offers clients financial flexibility. The Equity Leasing
Resource Program preserves your operating line of credit at your bank. It provides
you with an option.
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- 100% cost of equipment financed; preserves
your equity.
- No additional collateral required. No
lien on your property.
- Payments are set to meet your marketing
schedule and your operating budget.
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- Allows you to acquire equipment you may not
otherwise be able to purchase, but have a definite need for.
- Important - there is
absolutely no obligation, no fees with leasing.
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Leasing may be used for the following: |
- Equipment
Trucks/pickups
Tractors/sprayers
Field implements
Power units
Livestock production
Irrigation Systems (pivot and
pipe)
Grain bins
Grain handling/dryers
LP Storage
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- Buildings
Portable livestock
Vinyl/greenhouse
Machine sheds
Livestock production
(swine, poultry, dairy)
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Other Lease Highlights: |
- Flexible terms - Zero down (with trade in).
- Up to 7 year payment programs.
- Delay payment - Allows time for installation
and startup.
- Standard Program - Monthly, quarterly,
semi-annual, annual.
- Balloon/Fixed Purchase Option - 5% to
30%.
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- Staggered Schedule - Payments to meet
any staggered marketing schedule.
- Skip/Seasonal Payment - Available to allow
for any adjustment to the projected downtime or seasonal market program.
- Progressive Payments - Advance funding
when needed for locking in contract and manufacture.
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Restructuring
& Refinancing
Many financial statements may
be upside down and not profitable because they are not structured in the best interest of
the client. By restructuring and refinancing, clients can maximize profits and
control equity. In most situations, the interest rates are lower and the terms are
longer thus lowering the payments and maximizing profits.
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Mortgage
Financial Resources
Equity has many mortgage financial resources specializing in homes, farms,
and acreages. The mortgage resources provide competitive interest rates for our
customers to help develop cash flows and/or budgets.
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quity
Financial Resources