Lenders approve farm loans on repayment ability, and a farm's income arrives in lumps while its cash runs low each spring. This business loan proposal template presents the farm, its enterprises, land and assets, a seasonal cash flow and a repayment plan, in the order a credit officer reads them. It gives the amount and purpose early, then shows cover, the trough and the downside, so the case is judged on cash rather than hope.

The sample describes Westbrook Grange Farm, a fictional dairy and grain farm, requesting a loan with debt service cover of 1.6x in its first year and a March cash trough of $85K. Replace the accounts, the herd and acreage, the security and the forecast with your own records, then test the repayment with sales down 15%. Keep the weaknesses in the text, because a credit officer will look for them.