2. Credit Score  650 or Greater  www.freecreditreport.com Debt to Income Ratio  45% or Less Net Worth  Is it Liquid  Are Assets Inflated

3. 1. Executive Summary 2. Market Analysis 3. Company Description 4. Organization & Management 5. Marketing & Sales 6. Service or Product Line 7. Funding Request 8. Financials 9. Appendix – As Needed

4. 1. Overview of Entire Plan 2. History 3. What and Where 4. Attention Grabber 5. Why is it Successful 6. Last Section You Write

5. 1. Knowledge of Industry 2. Industry Description 3. Target Market 4. Highlights and Conclusions of Marketing 5. Competition

6. 1. Forming a LLP, LLC, or Corp. 2. Who 3. Where

7. 1. Structure 2. Again With The Who? 3. Ownership 4. Pofiles - Appendix

8. 1. Strategies 2. Customers 3. Where And When Are Sales

9. 1. What Are We Selling: 2. Hunt? 3. Meat? 4. Breeding Stock?

10. 1. Amount 2. Terms 3. Starting? 4. Expanding? 5. Different Scenarios - Appendix

11. 1. Current 2. Historical – Owned or Expansion 3. Prospective – 3 years

12. 1. Catch All 2. Resumes 3. Pictures 4. Projections 5. Plans 6. Market 7. Articles

13.  Relationship  Types  Market  Location

14.  Ag Lender  Experience  Comfort Level

15. New & Existing Operations 1. Personal Financial Statement 2. Entity Financial Statement 3. Tax Return 4. Income Verification 5. Debt Verification 6. Business Plan 7. Pro Forma Cash Flows and Balance Sheets

16.  Five C’s Of Credit 1. Character 2. Capital 3. Capacity 4. Collateral 5. Conditions

17. 1. Management Ability 2. Longevity 3. Expertise – Team of Experts 4. Integrity – Solid Business Plan 5. Relationships 6. Reputation

18. 1. Assets 2. Liabilities 3. Financial Structure 4. Financial Terms 5. Financial Strength 6. Stability 7. Adequate Liquidity

19. 1. Repayment Ability 2. Historical Earnings 3. Projected Earnings 4. Coverage Ratios or Repayment Ratios 5. Verifiable Market Plan

20. 1. Collateral Detail 2. Operating – Market Livestock 3. Term – Breeding or Equipment 4. Long Term – Real Estate 5. Values 6. Percent of Loan to Value – 65% 7. Documented Market Prices

21.  How is the Bank going to manage the credit risk? 1. Length of Term 2. Inspections 3. Covenants 4. Payment Schedules 5. Equity Requirements

22.  How do I get financing for both land and livestock?  Can I run animals as a absentee owner?  Can I buy land and at some point in the future use equity to purchase livestock?