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AgStar Financial Services. Serve 69 Counties, N.W. Wisc. & Mn. Serves clients in production agriculture and agricultural related businesses. Loans, leases, business/tax planning, accounting,insurance services & other. Find out more at http://www.agstar.com B     `Ne 0)>~aFinancing StrategiesClarification AgStar vs AgSTAR AgSTAR is a government partnership Joint effort between EPA, USDA, and DOE AgSTAR supports bio-gas technologies at CAFO Find out more at http://www.epa.gov/agstar/ :  z 0bFinancing Strategies cFinancing StrategiesContinued.. why consider anaerobic digesters? Positive relationships-community, energy Companies etc. Permitting issues enhanced. Possibly become net income producing. Reduce reliance for energy outside our area and nationally. Lengthen tenure of farm sites and farm families!*// gFinancing StrategiesgLender Concerns Does the business plan support the capital investment based on economics? Is it integrated with the operational plan of the business? Will the project take the management focus off the core business of profitable milk production? Is the risk commensurate with the potential rewards? Will there be adequate capital and where will it come from? 4ZXZWjFinancing Stategies Appraisal Considerations: Project will likely be appraised at around 85% of cost, similar to the rest of the new livestock facilities. No present reasons to alter this position.dFinancing StrategiesWho can afford it& a look at earnings& . 2001 Agriprofits mid-west dairy data: average Top 25% 140 cow dairies $42,000 $120,000 312 cow dairies $72,000 $234,000 765 cow dairies $11,957 $268,102 Many differences within cow groups!! n,"v, fFinancing StrategiesWho can afford it& a look at Owner Equity and owner equity percentages& .. 2001 Agriprofits mid-west dairy data: average Top 25% 140 cow dairies $ 715,971 61% $ 673,057 64% 312 cow dairies $1,303,130 51% $1,025,700 41% 765 cow dairies $1,755,006 36% $2,173,896 46% Understand clearly where you are at& and going& bDN!N lFinancing Stategies Understanding dairy break even& & .three key rules: Do cash flow by enterprise only. Include family living cost in labor expense. Usually let principal payments = depreciation, do not double up.03CpmFinancing StrategiesDairy Break even price---in a nutshell& & Three main components& .. BBkFinancing StrategiesFinance plan& .briefly. Add as many grant & low interest programs to the mix as possible. Refer to other workshop material. For the base financing: 10 year amortization with one year interest only is most likely, with fixed or variable pricing available. Leases may be used for part of the project, cash flow vs. tax driven are considerations.4AX hFinancing StrategiesdKey Success Factors Well conceived business and financial plan Projects need to be cooperative in nature  Provides the risk sharing component Agreement with local utility for a fair price to sell back power These projects can illustrate a great story to the general public about livestock agriculture RiFinancing StrategiesfThe how-to& ..in a nutshell& .. Plan well, informally & with written plans. Establish your team, then work with them. Project needs to work economically as well as environmentally,n@Special thanks to The Haubenschilds, Dennis, Marsha,Bryan & TomAA( The ethical person looks at every economic transaction as a test of his or her moral stewardship. That s why humility is the mother of all other virtues& .because it promotes stewardship. 3o  p  q  r  s  |  ` ̙33` ` ff3333f` 333MMM` f` f` 3>?" dd@,~?vd|d@ f3 +@` n?" dd@   @@``PR    @ ` ` p>> (Z(  (N ( ZAxaxa1 ?"P  H RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S  (  `Axaxa1 ?"P H T Click to edit Master title style! ! ( C AlJ:\BM&C\AgStar Logos\ TIFFs (PC)\COLOR\DairyBus2C.tif"B ( s *޽h ? {|ggg Dairy-2001 0 z`,(  , , 0 P!  A R*    , 0r[  !  T*   d , c $ ?*  [ , 0v[  @ [ RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S , 6,z[ vP  [ R*    , 6[ v  [ T*   H , 0޽h/. ? ̙33H p(    0,[ P!  [ Z*    0Đ[  ! [ \*    6[ vP  [ Z*    6L[ v  [ \*  H  0޽h/. ? ̙334 0\(  x  c $ *H(p H   c $$mH( `  <$ 0 H H  0޽h ? ̙33(   @(P(  (r ( S `A(P  A  ( S @A(P <$ 0 A H ( 0޽h ? {|ggg4   P8\(  8x 8 c $A(P  A  8 c $A(P <$ 0 A H 8 0޽h ? {|ggg   6.`H(  Hr H S ĔA(P  A  H S A(P <$ 0 A  H <A1? `@@ :   H BA1?`@  NWhy consider anaerobic digesters? Reduce odors, improve air quality. Renewable energy! Improved water quality. Pathogen reduction (weed seeds, fly eggs etc.) Agronomic advantages. Reduce negative manure issues, at your site!R" v|2 v|2" f3f3H H 0޽h ? {|ggg4   pP\(  Px P c $A(P  A  P c $īA(0<$ 0 A H P 0޽h ? {|ggg4   t\(  tx t c $,A(P  A  t c $ A(P <$ 0 A H t 0޽h ? {|ggg  $(  r  S xA(P  A r  S 4A(P  A H  0޽h ? {|ggg4  R  \\(  \x \ c $xA(P  A  \ c $XA(P <$ 0 A H \ 0޽h ? {|ggg4   l\(  lx l c $DA(P  A  l c $$A(P <$ 0 A H l 0޽h ? {|ggg  $(  r  S ,A(P  A r  S A(P  A H  0޽h ? {|ggg  me (  r  S 'A(P  A r  S A(P  A   <51?@P`  :    Hx 51?P p  1+   6C51?@  ]-Labor Including Family living Cost $2.50 . .  B$51?@ \*Variable cost Including Feed cost $8.00+ +   6 51?  U%Principal Plus Interest Cost $2.50 & &   H51?P p P p  1+    H=51?   1=    651? FBreakeven! $13.00  H  0޽h ? {|ggg  $(  r  S h5(P  5 r  S $5(P  5 H  0޽h ? {|ggg4  R  x\(  xx x c $:A(P  A  x c $:A(P <$ 0 A H x 0޽h ? {|ggg4   |\(  |x | c $5(P  5  | c $d5(P <$ 0 5 H | 0޽h ? {|ggg  VN(  r  S 5(P  5 r  S @5(P  5   Hد51? (  BStephen R. 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