Your facilities
| Done | Item |
|---|
| What are my limits on each loan and the overdraft, and when does each one expire or come up for review? |
| Is any facility interest only, and when does it switch to principal and interest? |
| What rate and margin am I paying on each one, and how does that compare with what you offer new customers? |
| What fees am I paying each year, and can any be reduced or removed? |
Covenants and reporting
| Done | Item |
|---|
| Which covenants apply to my loans, and how did I measure against each one last year? |
| What do you need from me each year, and by when (statements, budget, cashflow, valuations)? |
| Is there anything in last year's figures that worries the credit team? |
This year
| Done | Item |
|---|
| Does my budget and cashflow support the limits I'm asking for? |
| If the season turns dry or prices fall, what would you want to see from me, and how early should I call? |
| Is the security valuation current, and will you need a new one? |
Next steps
| Done | Item |
|---|
| What happens next, and when will I get the outcome in writing? |
| Who do I call between reviews, and what's the best way to reach them? |
Checked 26 October 2026. General information only. It doesn't take account of your circumstances and isn't tax, legal or credit advice. Farm CFO is a business name of Levelhead Capital Pty Ltd (ABN 15 703 134 918). farmcfo.com.au · 0412 759 847
farmcfo.com.au · 0412 759 847