Risk Management Resources, Inc provides crop input financing (seed, fertilizer, chemicals, cash rent, etc), crop insurance and our sister company provides equipment leasing.
Our Experience Shows!
Since 2002 we have worked with producers across the Great Plains area to supply them with the working capital they need to plant, care for and harvest a crop.
If you can convince us that it's needed to produce a crop, we'll probably finance it.
Some years you just don't have the money you need and your current lender isn't able to fund you any more due to inability to repay your previous loan. We look at the whole picture and make our lending decisions based on your situation.
In order to protect both you and us, we will not lend any more than 90% of your crop insurance coverage plus your government payments. This assures us that you will be able to repay your loan every year.
To secure the loan, we take a first lien on your crop, crop insurance and gov't payments (we'll work with your current lender to make that happen). We also take a blanket lien on your entire operation and, depending on the credit quality and size of request, we may require a real estate mortgage.
Many customers have said that we are the reason that they're still in business. Most of our customers stay with us only 3 to 5 years, at which time they are financially able to return to a conventional bank. During their time with us, they have been able to get their "financial house" in order and continue with local lenders.
Hanover Leasing Corp is our sister company that buys the equipment you need and leases it to you. We can also purchase your existing equipment and lease it back to you. We work with you to structure a lease that fits your needs and repayment schedule.