AGAGIntel
Tool . Lender

Borrower Prep Brief

Pre-meeting briefing grounded in the current verified snapshot.

Snapshot
2026-04-04

Talking points

Ordered by likely importance to the conversation.

  • Input cost carry into planting

    Diesel and DAP moved higher into the planting window; confirm the borrower purchased-vs-open input position.

  • Operating line sizing vs carry costs

    Interest carry remains materially elevated vs 5yr norms; revisit line sizing against Q2 cash needs.

  • Marketing discipline

    Corn reference price has firmed; ask whether the borrower has captured any forward sales against 2026 production.

  • Collateral documentation

    Regional land values directionally firm but variance is widening; confirm documentation cadence on pasture-secured credits.

Documentation checklist

  • Pull last 2 years of tax returns and Schedule F.
  • Confirm current crop insurance coverage election.
  • Verify accounts receivable / prepaid asset documentation.
  • Review open LOCs and utilization trends.
  • Stage a cash-flow projection against current reference prices.

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