Walk into your loan renewal with every rented acre accounted for
A 30-day checklist for farmers who rent land. Build one short package your lender can trace from summary to signed lease, so the meeting is about your plan, not missing paperwork.
- A day-by-day 30-day countdown, from lender request to meeting close
- Fill-in lease register, rent reconciliation and renewal-risk schedule
- A full worked example and a one-page lender summary template
21 pages · PDF · freeBuilt on public guidance from USDA FSA, Nebraska Extension and Penn State Extension.
Your guidebook is ready
We've also emailed you a copy. Start with the scope memo on page 5.
Download the PDFWant this report built from your own leases? Book a 15-minute demo
Your lender will ask four questions about the land you rent
Most operators can answer them. Few can hand over a package that proves the answers in two minutes. That gap is where follow-up requests and delays come from.
Which acres do you control for the full operating period?
Shown with a lease register tied to signed agreements.What does the land cost, and when is it due?
Shown with a payment register reconciled to your cash flow.Is your rent reasonable for the area?
Shown with county cash-rent benchmarks, as context, not a verdict.What happens if a lease doesn't renew?
Shown with a renewal-risk schedule, owners and dates.Swipe for more →
Four workstreams, thirty days, one package your banker can verify
Scope
- Five questions to ask your lender
- Scope memo
- Written exception rule
Verify
- Lease register fields
- Payment evidence log
- Reconciliation bridge
Analyze
- County rent comparison
- Renewal-risk ratings
- Portfolio exposure measures
Present
- Document room and file naming
- Six-question executive page
- QC checks and meeting script
A full worked example: River Bend Grain LLC
The guide walks a fictional 2,320-acre Indiana grain operation through every step, from lease schedule to the cover memo it sends its lender.
Illustrative sample. The operation, farms and figures are fictional.
Built for both sides of the renewal table
Farm operators who rent ground
Cash, flex or crop-share leases with several landowners and a renewal coming up. Spend less time chasing files and more time explaining your plan.
Farm managers and farm CFOs
Standardize the land package across entities and years, and hand lenders the same clean format every time.
Ag lenders and advisors
Share it with borrowers before renewal season. A shared checklist means fewer follow-up requests and faster credit decisions.
Swipe for more →
Questions about the guide
Still deciding? Most answers take one line.
What is a banker-ready land report?
A short package that shows your lender which acres you control, what they cost, when payments come due and where renewal risk sits, with each number traceable to a signed lease or payment record.
Does this replace my balance sheet or cash-flow plan?
No. The land report supports your core financial file. It does not replace financial statements, cash-flow projections or your lender's own checklist.
Who is the guide for?
Farm operators, farm managers and farm CFOs who rent a meaningful share of their acres and are preparing for an operating-loan or line-of-credit renewal. Lenders and advisors use it to prepare borrowers.
Do I need Oaken to use the checklist?
No. Every template works on paper or in a spreadsheet. Oaken keeps the leases, payments, renewal dates and documents the report is built from in one place.
Is the guide free?
Yes. Enter your name and email and the PDF download appears immediately.
Make next year's renewal a report you print, not a file you hunt for
Download the free checklist today. When you're ready, see how Oaken keeps every lease, payment and renewal date in one system.