Farm Vendor Finance

[bobajob]

Why do we need all the fuss about new entrant farmers?
There seems a lot of chat about it on Social media etc.
You don't see new entrant shop keepers / start up trades /owner driver haulage companies making so much fuss, their is nothing for them.
OK I took on the small family farm here, but if it wasn't for that I don't think I'd bother, there is 101 other jobs /easier ways to make a living. It's only farming after all.

 

[S J H]

Why do we need all the fuss about new entrant farmers?
There seems a lot of chat about it on Social media etc.
You don't see new entrant shop keepers / start up trades /owner driver haulage companies making so much fuss, their is nothing for them.
OK I took on the small family farm here, but if it wasn't for that I don't think I'd bother, there is 101 other jobs /easier ways to make a living. It's only farming after all.

I do have a lot of time for people that have started from a non farming background, but as you say there are many other ways to make a better living.

I don‘t see a way of paying a mortgage or rent and having a young family through farming. There has to be something else, not just for the money but relying on farming income would soon get me down.

 

[Wood field]

I do have a lot of time for people that have started from a non farming background, but as you say there are many other ways to make a better living.

I don‘t see a way of paying a mortgage or rent and having a young family through farming. There has to be something else, not just for the money but relying on farming income would soon get me down.

I don’t see the problem with one or both working off farm, it’s the same in any job if your self employed, I have been in engineering for 30 years plus but quit to work our place full time, mrs still works , but she did whilst I was engineering

 

[Humble Village Farmer]

Plenty of opportunities in East Anglia still. What's needed is numbers of stock, the ability to move them quickly and skilled operators. Plus a bit of charm to keep in with the landowners

 

[CopperBeech]

The two most tedious topics in British farming are -

New entrants

Women in farming

now where is my Tin hat .....

 

[7610 super q]

Land is too expensive, food produced on land is too cheap.
Until we sort this conundrum out, it's all a non starter.

Market gardening used to be a good way of starting off on small acreages, but since the end of wholesale markets, that's a dead duck.

Can't really see this " Landlords will rent land FOC to keep it tidy " gaining much traction either, after pish taker tenants have had their way over the last 40 years. OK, it happened in the 1920's, but there were more " Gentlemen " about in those days.

 

[CopperBeech]

They are in an area with huge grazing opportunities, it is totally possible to build a successful buisness in farming if you use your head and graft. Why do folk always want things for free ? That’s the culture with young folk now, knock the older generation for their subs and get spend all of their days on social media trying to get free wellies, clothing, land and even money handed to them. Get a f*cking grip, if you can’t make it on your own two feet you don’t deserve it handed to you!

And why does everyone think ‘social media training’ and a ‘social media profile’ will build you a successful farming buisness ...... it won’t ! All style no substance is a waste of breathe.

Oh and you arent owed a living - was recently reading two folk moaning about how hard it is to make money from farming - two of them flat out / full time on 600 draft ewes! Well, that ain’t a full time job for two people so tough sh*t.

 

[deleted user 436632456]

Women in farming

Be careful with that one because they are now even a divided group..

You have the women in ag who want to still identify as women and wear makeup, shorts and short tops on TikTok and Instagram while still farming and doing it well.

You have the women in ag who despise the above group and just spend their time complaining that the above group are now undermining all the hard working women in ag on TikTok and Instagram (even though the above group are working women in ag)

And then you have the women in ag who just don't care and just want to get on with their farming life without having to constantly say that they are a working women in ag on TiKTok and Instagram.

I do feel sorry for women involved in agri as if it isn't men creeping on them or being misogynistic towards them then it's the other women in ag hating on them because their not the right type of women in ag.

 

[CopperBeech]

There are some f*cking awesome women in ag, don’t get me wrong. But it seems to me like most of the ones obsessively flying the flag ..... are not those women! I posed an interesting question the other day - how many of these ‘woman in ag’ who can do ‘whatever a man can and probably better’ have actually built up an operation from scratch themselves and how many are actually someone wife / daughter / Girlfreind who enjoys hanging out / working on their dads / husbands / boyfriends operation. How many would be doing it if they weren’t in that relationship? And hey, it beats their old job in the city!

 

[Humble Village Farmer]

L

They are in an area with huge grazing opportunities, it is totally possible to build a successful buisness in farming if you use your head and graft. Why do folk always want things for free ? That’s the culture with young folk now, knock the older generation for their subs and get spend all of their days on social media trying to get free wellies, clothing, land and even money handed to them. Get a f*cking grip, if you can’t make it on your own two feet you don’t deserve it handed to you!

And why does everyone think ‘social media training’ and a ‘social media profile’ will build you a successful farming buisness ...... it won’t ! All style no substance is a waste of breathe.

Oh and you arent owed a living - was recently reading two folk moaning about how hard it is to make money from farming - two of them flat out / full time on 600 draft ewes! Well, that ain’t a full time job for two people so tough sh*t.

I get the impression of you offered them 100 acres of cover crops, they wouldn't have the stock, the fencing or the knowhow to make a go of it. I could be wrong...

 

[deleted user 436632456]

There are some f*cking awesome women in ag, don’t get me wrong. But it seems to me like most of the ones obsessively flying the flag ..... are not those women! I posed an interesting question the other day - how many of these ‘woman in ag’ who can do ‘whatever a man can and probably better’ have actually built up an operation from scratch themselves and how many are actually someone wife / daughter / Girlfreind who enjoys hanging out / working on their dads / husbands / boyfriends operation. How many would be doing it if they weren’t in that relationship? And hey, it beats their old job in the city!

I can say nothing as I am a farmers son just like some of them will be a farmers daughter.

I believe the 'Red Shepherdess' starting from nothing as she is from a housing estate in Liverpool... I think.

I know that Instagram has brought her plenty since but that is just smart farm diversification.

 

[CopperBeech]

I can say nothing as I am a farmers son just like some of them will be a farmers daughter.

I believe the 'Red Shepherdess' starting from nothing as she is from a housing estate in Liverpool... I think.

I know that Instagram has brought her plenty since but that is just smart farm diversification.

Aye and she’s borderline useless. She’s a social media celeb not a farmer really. And when you say she did it herself - her folks bought a small farm and run a PR company, and have done a very good job teaching her how to sell herself. She’s not a shepherd she’s a very clever girl!

 

[CopperBeech]

L

I get the impression of you offered them 100 acres of cover crops, they wouldn't have the stock, the fencing or the knowhow to make a go of it. I could be wrong...

If they could find enough for 1000 ewe lbs they could have the sheep, the fencing and the advice!

 

[unlacedgecko]

They are in an area with huge grazing opportunities, it is totally possible to build a successful buisness in farming if you use your head and graft. Why do folk always want things for free ? That’s the culture with young folk now, knock the older generation for their subs and get spend all of their days on social media trying to get free wellies, clothing, land and even money handed to them. Get a f*cking grip, if you can’t make it on your own two feet you don’t deserve it handed to you!

And why does everyone think ‘social media training’ and a ‘social media profile’ will build you a successful farming buisness ...... it won’t ! All style no substance is a waste of breathe.

Oh and you arent owed a living - was recently reading two folk moaning about how hard it is to make money from farming - two of them flat out / full time on 600 draft ewes! Well, that ain’t a full time job for two people so tough sh*t.

Who was that? 600 draft ewes is part time for 1 person...

 

[betweenthelines]

What’s all this healing soil talk. That and regenerative, it’s all just #buzzwords

That's a big turn off for most of the people in a position to help them.

 

[CopperBeech]

Who was that? 600 draft ewes is part time for 1 person...

I don’t really want to say as they are really nice folk. But it’s a case of the lad was farming them and the girlfriend wanted to stop working her job in London, so now it’s both of them. Fair play to them they have built a decent direct selling business and a fairly smart social media thing. But it’s just hard to tell folk that realistically it is not ever going to provide two people a living!

 

[CopperBeech]

That's a big turn off for most of the people in a position to help them.

Some and some I would say.

 

[betweenthelines]

I am both landowner's agent and a tenant grazier so can see it from both points of view. From many land investors point of view, improvements such as drainage and fencing etc., hasn't really paid off in recent years, because the land value rises anyway, so they don't see the point. Equally, graziers on a seasonal lease have no incentive to invest in the land they graze which they may well lose next year. So it sometimes turns into a rape and pillage exercise from both parties. The best solution from both perspectives was for the land to be let on a 5 year FBT, that way both parties had a bit of security to invest under a very simple and transparent tenancy agreement.

I rent ground from my employer under this arrangement, new fencing & water infrastructure is covered by the landowner and I cover the maintenance, lime & fertiliser. No one makes a fortune, but the land is kept in good heart.

Or find the right tenant -like @Jdunn55 in the Dairy Section-he seems to pay for everything, fencing, rewiring building repairs. You name it he pays for it, and seems thankful.

 

[betweenthelines]

Its quite simple
The owner sells the farm to the new farmer.
He then grants a mortgage to the new man secured against the property.
Its not risky at all.
The real win is that old farmer gets more interest than at the bank, and the young farmer pays less interest
Just cuts out the middleman

Isn't this how most farmers hand over to the next generation? Have everything valued then "loan" the money to the next generation who pays interest on the loan?

 

[Estate fencing.]

Who was that? 600 draft ewes is part time for 1 person...

Depends how badly behaved they are.