C 45 Group · Educational articles
Explore published educational articles for farmers, ranchers, vineyard owners, rural property owners, and referral professionals.
General information only. Not financial advice or a financing offer.
Brokers, accountants, and attorneys with a client to refer:Start a referral inquiryHave a financing question?Financing FAQLooking for a financing term?Read the financing glossary
The library
18 published guides
Topic 01
Start with the land itself, its records, and the structures on it.
9 guides
General U.S. guide · Agricultural property purchases
A sourced guide to USDA FSA farm-ownership loans, Farm Credit System lenders, SBA real-estate programs, and the limits of rural housing loans.
Read articleGeneral U.S. guide · Mixed agricultural and residential use
A sourced guide to program boundaries, appraisal questions, and a factual referral handoff when a rural parcel combines working land, a home, and business uses.
Read articleGeneral U.S. guide · Existing farm, ranch, and rural-property leases
A practical, sourced checklist for reviewing lease terms, income, collateral questions, and lender-specific program boundaries before financing rural property.
Read articleGeneral U.S. guide · Severed or leased mineral rights
A sourced guide for farmers, ranchers, vineyard owners, rural property owners, and advisers preparing title, appraisal, collateral, and lender questions when mineral rights are separate.
Read articleGeneral U.S. guide · Land and property research
A guide to parcel records, intended use, site research, and questions to ask prospective financing providers.
Read articleGeneral educational guide · Existing structures
A focused checklist for farms, ranches, vineyards, and rural properties: document each structure, confirm its local status, consider its role in the operation, and ask financing providers clear questions without assuming C 45 Group terms.
Read articleEducational guide · Agricultural and rural property
A concise overview of land, water, soil, productivity, improvements, mixed-use properties, and the distinct collateral practices described by FSA, FCA, and USDA Rural Development.
Read articleEducational guide · Water and property rights
A practical guide to documenting water sources, irrigation systems, access rights, and questions to ask before a rural-property financing conversation.
Read articleEducational guide · Environmental review and collateral
A sourced overview of environmental review, follow-up assessment, cleanup planning, and collateral valuation for farms, ranches, vineyards, and rural properties.
Read articleTopic 02
Prepare for farm and ranch transfers, heir buyouts, and successor financing.
1 guide
General U.S. guide · Agricultural and rural ownership transitions
A sourced guide to FSA ownership and operating loans, heirs’ property, Farm Credit YBS support, USDA B&I guarantees, SBA 7(a) ownership changes, and preparing for lender and adviser conversations.
Read articleTopic 03
Explore guides for livestock, vineyards, wineries, energy projects, and operating capital.
4 guides
General educational guide · Cattle and horse properties
An educational overview of USDA farm-ownership and operating pathways, livestock costs, equine-use questions, and details to verify directly with an agency or lender.
Read articleEducational guide · U.S. financing pathways
Compare FSA direct and guaranteed farm loans, Farm Credit lending and its young- and beginning-farmer provisions, USDA B&I’s narrow agricultural-production exception, SBA 7(a), and FSA climate-smart uses.
Read articleEducational guide · On-property renewable energy
Compare FSA farm loans, USDA REAP guarantees and grants, B&I, and SBA 7(a)/504 paths. Includes current REAP grant changes, project-preparation steps, lender questions, and collateral caveats.
Read articleGeneral educational guide · Operating capital
A sourced comparison of FSA loans, Farm Credit, commercial agricultural lenders, SBA 7(a), and USDA Rural Development B&I, with seasonal cash-flow preparation and lender questions.
Read articleTopic 04
Focus on agricultural debt, replacement financing, servicing changes, and seasonal repayment questions.
1 guide
Agricultural guide · Farm and ranch refinancing
A focused guide to farm, ranch, vineyard, and rural-property refinancing: identify the debt, compare a new loan with servicing changes, and prepare questions for agricultural lenders.
Read articleTopic 05
Compare public program information for different kinds of rural debt.
1 guide
General U.S. guide · Rural property refinancing
How to sort farm operating debt, real-estate liens, and rural-home mortgages; prepare property and cash-flow records; compare written offers; and verify current program rules.
Read articleTopic 06
Review sourced options and questions when repayment pressure builds.
1 guide
General U.S. guide · Agricultural and rural debt restructuring
A sourced guide to restructuring and refinancing distinctions, USDA FSA servicing and disaster resources, Farm Credit borrower resources, USDA Rural Development B&I guarantees, SBA 7(a), and lender-preparation questions.
Read articleTopic 07
Organize records and questions before a lender conversation.
1 guide
Educational guide · Borrower preparation
A practical, non-universal checklist of financial, business, credit, and property records that may help rural borrowers prepare to speak with a lender.
Read article