Cashflow, Collateral, and Character

07/08/2025 44 min
Cashflow, Collateral, and Character

Listen "Cashflow, Collateral, and Character"

Episode Synopsis


Insights into LendingKendall and Rebecca speak with Charley Cummings, CEO of Walden Mutual Bank. They discuss the concept of "voting with your dollars" and its impact on sustainable finance and agriculture. He shares insights on lending practices, stressing the importance of long-term relationships and understanding the unique challenges of multi-generational farms. Cummings emphasized the need for farmers to understand cash flow, accrual accounting, and amortization.Show notes:  Walden Mutual Bank - www.waldenmutual.comEBITDA = Earnings Before Interest, Taxes, Depreciation, AmortizationWomen in Ag Newsletter signup - https://unhoutreach.tfaforms.net/217751?CID=701G0000001AiKCIA0  Kendall Kunelius – [email protected]  Rebecca Dube – [email protected]