Goplen Ag Services provides a number of different options when it comes to providing capital for agriculture:
Real Estate Mortgages (Conventional) We provide long term financing from a variety of sources to handle your needs to purchase land, construct new improvements, refinance existing debt, purchase equipment or provide funds for other needs that might arise. Our funding sources include Farmer Mac, banks and other secondary market lenders. We also provide operating lines of credit secured by first mortgages on real estate.
Equipment Loans and Leases Intermediate loans and leases are available for equipment purchases; and under our leasing programs, funds are available for irrigation pivots and grain facilities. To apply for one of these products, please give us a call.
FSA Guaranteed Real Estate Loans FSA Guaranteed Loans provide additional options for deals that cannot be done through conventional loans. These are real estate loans though our bank sources, who will fund the loan, but obtain an FSA Guarantee prior to funding. Loan sizes range from $100,000 to $1,392,000, the maximum allowed under the government guarantee. Call for rates on these products.
Private Fund Mortgages Private funds are available for real estate deals that need quick closings or need additional time to qualify for conventional financing. Loan sizes will usually starts at $1,000,000.
General scope As mentioned, the size of our real estate loans range from $150,000 and upwards. Equipment loans start at $30,000. Interest rates and terms vary depending on the term, quality of credit and size. The types of operations available for our financings include:
Dry Land farms
Agri-business facilities and wineries
If you are interested in getting a rate quote, get a weekly rate sheet, or see if one of our options will fit your needs, give Neal a call at 509-521-1797. If you prefer email please click to use our contact form.
We are looking forward to service your lending needs.
Goplen Ag Services in a partner in Highpoint Land LLC that has been setup to help investor clients, retired farmers or other owners who desire management help in overseeing their investment in farm properties. We are setup to provide direct management on properties the owners wish to farm themselves to help maximize the return on their investment.
We offer the management and accounting functions for the property to be farmed on a custom basis. We will handle all aspects of the operation; from lining up the custom operators, deciding on cropping programs, overseeing needed field work, paying all bills, working with the government farm programs and marketing the crop. Our main focus is management of ground in the Palouse area of Southeast Washington, but we can tailor a program to other areas. We have a network of custom operators willing to help manage additional ground; providing planting, tillage, spraying and combining options.
Equipment Loans & Leases
Goplen Ag Services also offers various equipment loan and equipment or facility lease programs options through a variety of lenders. Under our leasing programs there are also funds available for leases on farm equipment, irrigation pivots, farm buildings and grain facilities. Under the loan program, we can provide funds on terms up to seven years on new or nearly new farm equipment. To apply for an equipment loan or lease, please give Neal a call at 509-521-1797 or send us an email through the Contact Us tab above.
Because of the current tax laws, below are some of the reasons a lease program may work for you.
Leasing is FLEXIBLE A lease provides the use of equipment, farm shops, machine sheds, grain bins, or irrigation systems for a specific period of time at fixed rental payments. Leasing allows you to be more FLEXIBLE in the management of your assets.
Leasing is PRACTICAL By leasing, you transfer the uncertainties and risks of ownership to the lessor, which allows you to concentrate on using equipment, farm shops, machine sheds, grain bins, or irrigation systems as a productive part of your business.
Leasing is COST EFFECTIVE For example, equipment is costly and some of the costs are unexpected. When you lease, your risk of getting caught with obsolete equipment is lower because you can upgrade or add equipment to best meet your needs.
Additional benefits of leasing:
Leasing has potential tax advantages.
Your taxable income can be reduced or offset by deducting your lease payment from your gross income in an operating lease.
Leasing helps you conserve operating capital.
Leasing keeps your lines of credit open.
Leasing helps you avoid costly down payments.
Leasing helps you better manage your balance sheet.
Through a separate entity, Clear Path Certifications LLC, Astrid works with cooperators that are equipped and certified to help you navigate through the process of obtaining third party food certification for your commodity.
The company is local, cost effective and knowledgeable of all aspects of obtaining food safety certification and is flexible and can adjust costs and programs to fit your needs. They also provide consulting and auditing services for various food safety standards and schemes.
Whether it is to develop a food safety program, revamp an existing program, completing internal audits or conduct the actual audits, Clear Path Certifications is equipped to help you navigate today’s food safety standards.
For more information on our third party food safety certification program please contact Astrid at (509) 539 6331 orclick to use our contact form.
Integrated Pest Management Consulting
Astrid, through Clear Path Certifications, has successfully provided independent integrated pest management consulting for local orchardists and vineyard growers since 1993.This service is centered on the implementation of the standard components of integrated pest management (IPM).
Key components of the IPM Program are:
Monitoring for pests and beneficial organisms
Eliminate impact of pests on the crop in question
Designing a pest management program that optimize native bio-control agents impact on present pests
Implementing sustainable environmentally sound pest management practices that adhere to local requirements and legislation.
Adherence to market requirements
Last, but absolutely not least, improving the bottom line for the grower. We do this by designing and implementing a pest management program that is as cost effective as possible while not jeopardizing the market value of the crop.