{"id":4422,"date":"2026-09-30T10:15:14","date_gmt":"2026-09-30T15:15:14","guid":{"rendered":"https:\/\/agrilife.org\/agecon\/?p=4422"},"modified":"2026-09-30T10:19:55","modified_gmt":"2026-09-30T15:19:55","slug":"the-changing-reality-of-agricultural-lending","status":"publish","type":"post","link":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/","title":{"rendered":"The Changing Reality of Agricultural Lending"},"content":{"rendered":"<div id=\"attachment_4425\" style=\"width: 412px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-4425\" class=\" wp-image-4425\" src=\"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2.jpg\" alt=\"\" width=\"402\" height=\"268\" srcset=\"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2.jpg 1200w, https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2-1024x683.jpg 1024w, https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2-768x512.jpg 768w\" sizes=\"auto, (max-width: 402px) 100vw, 402px\" \/><p id=\"caption-attachment-4425\" class=\"wp-caption-text\">Texas A&amp;M Soil and Crop Sciences Professor, Keerti Rathore, Ph.D. collecting cotton on Wednesday, Sep 23, 2026, in College Station, Texas. (Hannah Lang\/Texas A&amp;M AgriLife)<\/p><\/div>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">As farm profit margins tighten across the Southern Plains, many producers are finding that access to credit is becoming increasingly important and increasingly challenging. Rising production costs, lower commodity prices, and higher interest rates have created financial pressures felt on both sides of the lender&#8217;s desk.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">Recent discussions among agricultural lenders highlight growing concern about the financial outlook for agriculture. While the industry experienced strong profitability during the years immediately following the pandemic, economic conditions have shifted considerably. Today, many producers are relying more heavily on operating loans to cover input costs and maintain cash flow. <\/span><\/p>\n<p><!--more--><\/p>\n<p><b><span data-contrast=\"auto\">Why Credit Conditions Matter<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Credit serves as the lifeblood of many farming and ranching operations. Operating loans allow producers to purchase seed, fertilizer, feed, fuel, and other inputs before revenue from crop or livestock sales is realized.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">When farm incomes decline, producers often rely more heavily on borrowed capital. At the same time, lenders may become more cautious as repayment risks increase. This combination can create challenges for producers seeking financing.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Several trends have emerged in the current lending environment:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Rising Interest Expenses<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Interest rates remain significantly higher than they were just a few years ago. Higher borrowing costs mean a greater percentage of revenue must be allocated toward debt service, leaving less cash available for operations, equipment purchases, and family living expenses.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Increased Demand for Operating Capital<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Many producers are utilizing operating loans to bridge the gap between rising expenses and reduced revenues. Input costs remain elevated in many sectors, while commodity prices have weakened compared to recent highs.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Greater Scrutiny from Lenders<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Lenders are placing more emphasis on financial statements, cash flow projections, and repayment plans. Producers who maintain accurate records and can clearly communicate their financial position are often in a stronger position when seeking financing.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Strategies for Working with Lenders<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Although current conditions may be challenging, there are steps producers can take to improve their financial position and maintain strong relationships with lending institutions.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Maintain Current Financial Records<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Up-to-date balance sheets, income statements, and cash flow projections help demonstrate financial management and improve lender confidence.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Communicate Early and Often<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If financial challenges arise, it is generally better to address concerns with lenders early rather than waiting until repayment becomes difficult. Open communication can help identify potential solutions before problems escalate.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Evaluate Liquidity<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Strong working capital provides flexibility during periods of economic stress. Producers should review available cash reserves and evaluate opportunities to strengthen liquidity where possible.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Develop Realistic Budgets<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Enterprise budgets and cash flow projections can help identify potential financial risks before the production year begins. Scenario planning can also help prepare for unexpected market or weather events.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Looking Ahead<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Agricultural lending conditions often reflect broader economic realities. While the current environment presents challenges, strong financial management and proactive communication remain valuable tools for navigating uncertainty.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Producers who understand their financial position, maintain strong lender relationships, and make informed business decisions will be better positioned to weather economic downturns and capitalize on future opportunities.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Bottom Line:<\/span><\/b><span data-contrast=\"auto\"> Credit remains a critical resource for agricultural operations. In today&#8217;s environment, careful planning, accurate financial records, and proactive communication with lenders may be more important than ever.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Reference Document: Surviving the Economic Downturn: 2026 Update\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p>https:\/\/afpc.tamu.edu\/research\/publications\/735<\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4423\" src=\"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/2026-09-30_10-13-15.png\" alt=\"\" width=\"821\" height=\"430\" srcset=\"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/2026-09-30_10-13-15.png 821w, https:\/\/agrilife.org\/agecon\/files\/2026\/09\/2026-09-30_10-13-15-768x402.png 768w\" sizes=\"auto, (max-width: 821px) 100vw, 821px\" \/>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As farm profit margins tighten across the Southern Plains, many producers are finding that access to credit is becoming increasingly important and increasingly challenging. Rising production costs, lower commodity prices,&#8230; <span class=\"read-more\"><a href=\"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/\">Read More &rarr;<\/a><\/span><\/p>\n","protected":false},"author":2262,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-4422","post","type-post","status-publish","format-standard","category-uncategorized","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Changing Reality of Agricultural Lending - Ag Economics on the Plains<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Changing Reality of Agricultural Lending - Ag Economics on the Plains\" \/>\n<meta property=\"og:description\" content=\"As farm profit margins tighten across the Southern Plains, many producers are finding that access to credit is becoming increasingly important and increasingly challenging. Rising production costs, lower commodity prices,... Read More &rarr;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/\" \/>\n<meta property=\"og:site_name\" content=\"Ag Economics on the Plains\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/amarillo.agecon\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-30T15:15:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-30T15:19:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"karli.kaase\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AmarilloAgecon\" \/>\n<meta name=\"twitter:site\" content=\"@AmarilloAgecon\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"karli.kaase\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/\"},\"author\":{\"name\":\"karli.kaase\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#\\\/schema\\\/person\\\/da6ddcbdebb45441ffcdfbeaf26b5dbb\"},\"headline\":\"The Changing Reality of Agricultural Lending\",\"datePublished\":\"2026-09-30T15:15:14+00:00\",\"dateModified\":\"2026-09-30T15:19:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/\"},\"wordCount\":580,\"publisher\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/files\\\/2026\\\/09\\\/20260923_AgriLife_Farm_HL-9-2.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/\",\"url\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/\",\"name\":\"The Changing Reality of Agricultural Lending - Ag Economics on the Plains\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/files\\\/2026\\\/09\\\/20260923_AgriLife_Farm_HL-9-2.jpg\",\"datePublished\":\"2026-09-30T15:15:14+00:00\",\"dateModified\":\"2026-09-30T15:19:55+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/#primaryimage\",\"url\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/files\\\/2026\\\/09\\\/20260923_AgriLife_Farm_HL-9-2.jpg\",\"contentUrl\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/files\\\/2026\\\/09\\\/20260923_AgriLife_Farm_HL-9-2.jpg\",\"width\":1200,\"height\":800,\"caption\":\"Texas A&amp;M Soil and Crop Sciences Professor, Keerti Rathore, Ph.D. collecting cotton on Wednesday, Sep 23, 2026, in College Station, Texas. (Hannah Lang\\\/Texas A&amp;M AgriLife)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/the-changing-reality-of-agricultural-lending\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The Changing Reality of Agricultural Lending\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#website\",\"url\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/\",\"name\":\"Amarillo AgEcon\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#organization\",\"name\":\"Texas A&M AgriLife Extension\",\"url\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/files\\\/2019\\\/12\\\/texas-am-agrilife-extension-logo.jpg\",\"contentUrl\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/files\\\/2019\\\/12\\\/texas-am-agrilife-extension-logo.jpg\",\"width\":375,\"height\":175,\"caption\":\"Texas A&M AgriLife Extension\"},\"image\":{\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/amarillo.agecon\",\"https:\\\/\\\/x.com\\\/AmarilloAgecon\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/justin-benavidez-70227b80\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/#\\\/schema\\\/person\\\/da6ddcbdebb45441ffcdfbeaf26b5dbb\",\"name\":\"karli.kaase\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/031d9bd9614ef90f0ae0d9f36277c270eacc03390475d97a1cf45edf4fdab51a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/031d9bd9614ef90f0ae0d9f36277c270eacc03390475d97a1cf45edf4fdab51a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/031d9bd9614ef90f0ae0d9f36277c270eacc03390475d97a1cf45edf4fdab51a?s=96&d=mm&r=g\",\"caption\":\"karli.kaase\"},\"url\":\"https:\\\/\\\/agrilife.org\\\/agecon\\\/author\\\/karli-kaase\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Changing Reality of Agricultural Lending - Ag Economics on the Plains","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/","og_locale":"en_US","og_type":"article","og_title":"The Changing Reality of Agricultural Lending - Ag Economics on the Plains","og_description":"As farm profit margins tighten across the Southern Plains, many producers are finding that access to credit is becoming increasingly important and increasingly challenging. Rising production costs, lower commodity prices,... Read More &rarr;","og_url":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/","og_site_name":"Ag Economics on the Plains","article_publisher":"https:\/\/www.facebook.com\/amarillo.agecon","article_published_time":"2026-09-30T15:15:14+00:00","article_modified_time":"2026-09-30T15:19:55+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2.jpg","type":"image\/jpeg"}],"author":"karli.kaase","twitter_card":"summary_large_image","twitter_creator":"@AmarilloAgecon","twitter_site":"@AmarilloAgecon","twitter_misc":{"Written by":"karli.kaase","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/#article","isPartOf":{"@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/"},"author":{"name":"karli.kaase","@id":"https:\/\/agrilife.org\/agecon\/#\/schema\/person\/da6ddcbdebb45441ffcdfbeaf26b5dbb"},"headline":"The Changing Reality of Agricultural Lending","datePublished":"2026-09-30T15:15:14+00:00","dateModified":"2026-09-30T15:19:55+00:00","mainEntityOfPage":{"@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/"},"wordCount":580,"publisher":{"@id":"https:\/\/agrilife.org\/agecon\/#organization"},"image":{"@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/#primaryimage"},"thumbnailUrl":"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2.jpg","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/","url":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/","name":"The Changing Reality of Agricultural Lending - Ag Economics on the Plains","isPartOf":{"@id":"https:\/\/agrilife.org\/agecon\/#website"},"primaryImageOfPage":{"@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/#primaryimage"},"image":{"@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/#primaryimage"},"thumbnailUrl":"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2.jpg","datePublished":"2026-09-30T15:15:14+00:00","dateModified":"2026-09-30T15:19:55+00:00","breadcrumb":{"@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/#primaryimage","url":"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2.jpg","contentUrl":"https:\/\/agrilife.org\/agecon\/files\/2026\/09\/20260923_AgriLife_Farm_HL-9-2.jpg","width":1200,"height":800,"caption":"Texas A&amp;M Soil and Crop Sciences Professor, Keerti Rathore, Ph.D. collecting cotton on Wednesday, Sep 23, 2026, in College Station, Texas. (Hannah Lang\/Texas A&amp;M AgriLife)"},{"@type":"BreadcrumbList","@id":"https:\/\/agrilife.org\/agecon\/the-changing-reality-of-agricultural-lending\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/agrilife.org\/agecon\/"},{"@type":"ListItem","position":2,"name":"The Changing Reality of Agricultural Lending"}]},{"@type":"WebSite","@id":"https:\/\/agrilife.org\/agecon\/#website","url":"https:\/\/agrilife.org\/agecon\/","name":"Amarillo AgEcon","description":"","publisher":{"@id":"https:\/\/agrilife.org\/agecon\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/agrilife.org\/agecon\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/agrilife.org\/agecon\/#organization","name":"Texas A&M AgriLife Extension","url":"https:\/\/agrilife.org\/agecon\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/agrilife.org\/agecon\/#\/schema\/logo\/image\/","url":"https:\/\/agrilife.org\/agecon\/files\/2019\/12\/texas-am-agrilife-extension-logo.jpg","contentUrl":"https:\/\/agrilife.org\/agecon\/files\/2019\/12\/texas-am-agrilife-extension-logo.jpg","width":375,"height":175,"caption":"Texas A&M AgriLife Extension"},"image":{"@id":"https:\/\/agrilife.org\/agecon\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/amarillo.agecon","https:\/\/x.com\/AmarilloAgecon","https:\/\/www.linkedin.com\/in\/justin-benavidez-70227b80\/"]},{"@type":"Person","@id":"https:\/\/agrilife.org\/agecon\/#\/schema\/person\/da6ddcbdebb45441ffcdfbeaf26b5dbb","name":"karli.kaase","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/031d9bd9614ef90f0ae0d9f36277c270eacc03390475d97a1cf45edf4fdab51a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/031d9bd9614ef90f0ae0d9f36277c270eacc03390475d97a1cf45edf4fdab51a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/031d9bd9614ef90f0ae0d9f36277c270eacc03390475d97a1cf45edf4fdab51a?s=96&d=mm&r=g","caption":"karli.kaase"},"url":"https:\/\/agrilife.org\/agecon\/author\/karli-kaase\/"}]}},"_links":{"self":[{"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/posts\/4422","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/users\/2262"}],"replies":[{"embeddable":true,"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/comments?post=4422"}],"version-history":[{"count":4,"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/posts\/4422\/revisions"}],"predecessor-version":[{"id":4429,"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/posts\/4422\/revisions\/4429"}],"wp:attachment":[{"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/media?parent=4422"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/categories?post=4422"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agrilife.org\/agecon\/wp-json\/wp\/v2\/tags?post=4422"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}