Managing risk and maximizing agricultural investment.
Maria Garcia, while successful in her dental practice, wanted to expand her family's 40-acre hobby farm into a profitable side business. Lenders were hesitant due to the perceived risk of agricultural ventures, particularly given Maria's limited experience and reliance on crop insurance. She needed a way to demonstrate the true risk profile of her farm's assets, independent of her debt.
Using the Unlevered Beta Calculator, Maria was able to isolate the inherent risk of her farming operations. By benchmarking against comparable publicly traded agricultural companies and removing the influence of her existing debt, she demonstrated a lower-than-anticipated risk profile to the lenders. The Debt to Asset Ratio Calculator also played a key role in managing the current debt to assist lenders with comfort around Maria's ability to borrow and repay. Armed with this data, presented professionally, Maria secured $500,000 in funding at a favorable interest rate to invest in new equipment and expand her acreage.
The Unlevered Beta Calculator required gathering data on comparable companies' betas, debt-to-equity ratios, and tax rates. Maria also used the Debt to Asset Ratio Calculator to manage her existing financial ratios.
$35,000 annual increase in farm revenue and $10,000 in interest savings on the loan.
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