Help Growers Look Beyond Yield Results to Navigate Challenging Markets

By integrating financial strategies with agronomic planning, ag retailers can provide growers with the tools they need to navigate challenging markets successfully.

In today’s volatile agricultural market, success isn’t just about maximizing yields—it’s about making strategic decisions that drive profitability, resilience, and long-term sustainability. As growers look to improve their ability to navigate uncertainty and sustain their operations, retailers have the opportunity to provide them with the tools and resources to help them develop financially sound strategies.

With its intimate and expansive knowledge of ag retail, WinField United has been partnering with retailers to build financial offerings that enhance ag retailers’ business goals for more than a decade. Based on its proven track record of success in supporting ag retailers at the farmgate, the company has four tips for successfully managing today’s market conditions.

1. Bolster the Right Decisions with Strategic Financing

Agronomic investments should be driven by profitability, not just output. By offering solutions like SECURE™ financing from WinField United, retailers can help growers make smarter financial choices that align with their overall business goals. Through SECURE, retailers can help growers leverage financing to invest in high-value inputs that enhance efficiency and reduce risk.

SECURE provides access to competitive interest rates and flexible repayment options to ensure that growers are not forced into short-term decision-making based solely on cash flow constraints. Prolonged repayment options, for example, allow retailers to lock in purchases by aligning payment options with growers’ revenue cycles, making it easier to take advantage of early purchase discounts and seasonal pricing opportunities.

2. Become Financial and Agronomic Advisors

Retailers who integrate financial offerings with agronomic expertise position themselves as invaluable partners in a grower’s success. Offering financing solutions within the broader context of business planning reinforces a retailer’s role as a trusted advisor. Growers who feel supported in both agronomic and financial decision-making are more likely to remain loyal customers. 

By providing competitive financial solutions tailored to farm seasonality, retailers can help growers access key early order program discounts. Because SECURE is based around the seasonality of agronomics, repayment is not due until after harvest is finished. This helps retailers seamlessly weave financial discussions into agronomic planning to ensure growers have the resources to enhance their profitability and long-term financial sustainability.

This unmatched flexibility, made around a grower’s unique business cycle, provides capital when they need it most. From a retailer standpoint, this provides increased opportunities to lock in sales, while enhancing the relationship with the grower, making it more challenging for competitors to enter the conversation.

3. Leverage Financial Tools to Navigate Market Challenges

Challenging markets require growers to be proactive rather than reactive. Offering SECURE financing empowers growers to seize opportunities when input prices are favorable, rather than making last-minute purchases under less favorable terms. By providing reliable access to capital, retailers can help growers avoid costly financing gaps and make strategic investment decisions that align with market conditions.

Incorporating financial tools into purchasing strategies also enables growers to invest in risk mitigation measures, such as diversified input portfolios, which can help stabilize profitability even in uncertain conditions.

4. Securing the Opportunity is Not Only Smart, but Also Efficient

Ag retailers play a critical role in moving beyond a yield-first mindset to support their growers’ long-term profitability and market resilience. By integrating financial strategies with agronomic planning through an offer like SECURE, ag retailers can provide growers with the tools they need to navigate challenging markets successfully.

Getting set up with SECURE is quick and easy. Financing up to $750,000 can be approved quickly with a single-page of paperwork, and larger loans are available with a bit of extra documentation. SECURE is unique in that growers can use it across multiple seed and crop protection brands offered by the local retailers, in addition to financing critical expenditures like fertilizer and custom application from the retailer. For more
information on how to get started with SECURE, visit winfieldunited.com/SECURE.

A Proven Track Record of Making Business Easier and More Profitable

For more than a decade, retailers have relied on SECURE for grower financing. Being rooted in ag retail, WinField United built a program that is designed for the way farming works. Meaning, SECURE delivers a flexible, reliable and competitive financing solution that can be adaptable to market variability and in-season challenges and opportunities. From back-office support to the farmgate, WinField United provides unmatched support that makes SECURE a turnkey solution. This help retailers focus on providing the right
tools, data and expertise to help growers stay informed and make data-driven decisions to be successful and grow their business.

To learn more about SECURE talk to a local WinField United sales representative or
visit winfieldunited.com/secure.