# 351: How The Right Financing Keeps You In The Game

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Text version: https://stenobird.com/podcast/a-better-way-to-farm-podcast-1167133/351-how-the-right-financing-keeps-you-in-the-game.md
Podcast: [A Better Way To Farm Podcast](https://stenobird.com/podcast/a-better-way-to-farm-podcast-1167133)
Published: 2026-01-27T12:00:46+00:00
Episode link: https://abetterwaytofarm.com/resources/351-how-the-right-financing-keeps-you-in-the-game
Audio file: https://audio4.redcircle.com/episodes/d3ff02b4-685c-439e-9f36-17abe4350116/stream.mp3
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JSON: https://stenobird.com/v1/public/podcasts/a-better-way-to-farm-podcast-1167133/episodes/351-how-the-right-financing-keeps-you-in-the-game
Duration seconds: 1089

## Resource

High input costs and tight margins are forcing farmers to look harder at every dollar. In this episode, Ryan talks with Stephanie Fackler from John Deere Financial about how financing decisions impact profitability more than most producers realize. Many farms rely on the same operating loan year after year without understanding the hidden costs. This conversation breaks down better ways to manage cash flow, what 0% financing really means, and why unsecured input financing can reduce risk. Stephanie also shares insight on where the Ag economy may be headed and how farmers can protect working capital while navigating low commodity prices. When margins are compressed, profitability isn’t just about yield. It’s about making better decisions with your inputs, your timing, and your money.

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## Transcript

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