As growers prepare for the 2025 season, financial planning is just as critical as field prep. With tight margins, market volatility and shifting input costs, having a strong credit strategy in place can make all the difference.
Bob Baxley, Credit Manager with Helena Agri-Enterprises, emphasizes the importance of starting with a solid plan.
"Growers need to be thinking now about how they’re going to meet their capital and operating needs for the year."
Bob Baxley, Credit Manager, Helena Agri-Enterprises
“That means talking early with your banker, your Helena rep and any suppliers involved to make sure financing lines are in place before you need them.”
Baxley also notes the role of flexibility, especially when crop mixes change or input prices fluctuate. While fertilizer costs have eased somewhat compared to recent years, price swings can still have a major impact on cash flow.
“Having conversations upfront ensures everyone understands what’s needed and how inputs will be paid for,” he says.
For many, that means exploring third-party financing. Helena offers multiple options, including the Helena Finance program, which is supported by lending partners like ProPartners Financial. Jedd Wennerberg, President of ProPartners, explains that his team is seeing a noticeable uptick in requests for credit.
“We’re hearing from more producers whose working capital took a hit last year,” he says. “Some are seeking additional financing to bridge the gap this season.”
Despite some easing in input costs — Wennerberg cites a projected 4% decrease for 2025 — many growers are still facing delayed payments and tighter profit margins. “Liquidity is key,” he says. “That’s where programs like Helena Finance can help fill the gaps traditional banks may no longer cover.”
Nels Bergquist, Senior Relationship Manager at ProPartners, adds that while land values remain relatively stable, rental rates haven’t budged. That, combined with delayed crop sales in some regions, adds pressure to producers’ cash flow.
“Now’s the time to evaluate your finances, create a plan and explore all available credit resources."
Nels Bergquist, Senior Relationship Manager at ProPartners
Success this season depends on more than strong yields. It requires clear communication, proactive planning and smart financial decisions. Helena and ProPartners recommend starting the credit conversation early to avoid delays and creating a strategy that aligns with crop marketing plans, input needs and longterm goals.
Talk to your Helena representative today to build a credit plan that works for your operation — and set yourself up for a stronger, more confident 2025.