(Dave Bedard photo)

FCC offers up new Starter Loans

“Preferential” loan rates are available to young farmers or agribusinesspeople planning start-ups through a new Farm Credit Canada lending program. Lawrence MacAulay, addressing the Canadian Federation of Agriculture’s annual meeting Wednesday in Ottawa when he was still federal minister of agriculture, unveiled the federal ag lending agency’s new Starter Loan Program. The program, according to […] Read more



aerial view of farmland

Farmland values and rising interest rates

As interest rates rise, farmers are wondering, ‘it this still a good time to buy land?’


On most farms land is the largest farm asset, which means it can also account for the largest portion of farm debt — especially for farmers just starting out, taking over from the previous generation or expanding the business. What can farmers do, in the face of more potential interest rate hikes, to make sure […] Read more

As interest rates edge upwards, it’s probably a good idea to know how much flexibility you have to purchase major assets, should the opportunity arise.

Is it too expensive to borrow money?

When the neighbour’s land is for sale, are interest rates too high to say 'yes?'

The best time to figure out whether or not you can afford to borrow more money probably isn’t when you get a tip off that the neighbour wants to sell some land at a really tempting price. But inevitably, it’s when faced with those kinds of situations that producers take stock of where they are […] Read more


For the most part, recent strong net income will take the sting out of interest rate hikes.

Rising interest rates, rising risk?

Farm Management: What do today’s rising interest rates mean for your farm’s balance sheet

There are a number of ways that rising interest rates affect farm balance sheets. They can negatively affect cash flow, can create a need to adjust short-term and long-term liabilities and affect the value of farmland that in turn can impact the farm’s asset values. “Higher interest rates will impact operations differently based on how […] Read more

Wheat and Canadian Money or dollar or currency in double exposure shot, concept for earnings or spend in Agriculture

Farm debt in Western Canada

Our debt levels are increasing, but our debt-to-equity ratios are holding steady

The headline of an article released by FCC near the end of September was a little worrying: “What does a new high in farm debt mean for the ag sector?” Between 2016 and 2017, total Canadian farm debt increased by 6.6 per cent to more than $100 billion. In Manitoba, Saskatchewan and Alberta, the increase […] Read more






Landscape featuring a harvested grain field.

Interesting twist on high cost of farmland

These high prices are great news for sellers, but they leave buyers out of the game

Just about every farmer I talk to in all parts of the country has a common buyer’s complaint — they want to expand their farming operation but land prices are high. It is difficult for established family farms to grow and new farmers are finding it almost impossible to get into the business on land […] Read more