When Cash Flow Fails: The Mechanics of Negative DSCR

Lenders may see an unusual metric as they prepare for renewals: a negative debt service coverage ratio. In this article, we will discuss why this happens, and what to do about it when it does. Debt Coverage Ratio: What is it and why would it be negative? To talk about...

Understanding Cross-Collateralization in FINPACK

In complex agricultural or commercial lending, a single asset often secures multiple loans across different collateral analysis groups. The use of cross-collateralizing an asset across multiple credit analysis groups can lead to “double-counting” or...

Considerations for 2026 Cash Flow Projections

As we enter 2026, developing accurate cash flow projections is a critical step in guiding financial decisions and managing risk. These projections require careful consideration of accounts receivable, accounts payable, and prepaid expenses, as well as the assumptions...

Tools to Assist in the Renewal Season

As you prepare for loan renewals at your lending institution, consider these FINPACK tools to help make the process smoother and more streamlined for you and your customer.

Harnessing FINPACK for Volatility

Volatile single line graph, close-up with copy space As the 2026 credit renewal season begins, the agricultural lending landscape has moved from the high-liquidity years of the early 2020s into a period of sustained margin pressure. For lenders, the challenge is no...

Advanced Training Webinar Series

Thank you to everyone who attended our FINPACK Advanced Training Webinars series over the past few weeks. We hope you found the topics useful and interesing. If you registered for some or all of the sessions, you now have access to recordings of all the webinars....