Dollars In The Dirt

Seasoned Finance
  • 5.0 (4)
  • INVESTING

Welcome to Dollars in the Dirt with Brecken Curtis, the no-BS podcast for Australian farmers and graziers who want to grow their operations and build real wealth. Hosted by Brecken Curtis, Award Winning Agricultural Finance Broker, this podcast breaks down farm loans, property finance, and agribusiness lending strategies that actually work. From rural property loans to cattle station finance, you'll get straight answers on agricultural finance without the jargon. Each episode delivers practical insights on farm expansion, loan structuring, and navigating the finance challenges facing beef producers and graziers across regional Australia. If you're a rural grazier looking to secure more favourable loan conditions for your next expansion, this podcast is a game changer.

  1. 4 DAYS AGO

    #020 - Reacting to Viral Clips About Fuel Costs, Fertiliser and Farm Pressure

    Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled This episode breaks down a series of viral clips about government spending, fuel campaigns and urea supply, and looks at how these issues land inside real farm businesses. The focus stays on what producers can control, how to keep the business moving and why structure and cash flow matter more than the noise. This episode covers: ◼️ How fuel and fertiliser pressures flow through to farm operations ◼️ Why mindset and cash flow discipline matter during volatility ◼️ The structural decisions that influence long‑term resilience Timestamps: 00:00:00 Introduction 00:01:30 - Managing Mindset in Agriculture 00:02:50 - Critique of Government Spending 00:04:30 - Urea Supply for Farmers 00:06:00 - Government Advertising and Fuel Supply Issues Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ TikTok: https://www.tiktok.com/@brecken_curtis LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ Seasoned Finance: https://seasonedfinance.com.au

    8 min

  2. 6 DAYS AGO

    #019 - How Farmers Can Survive The Diesel Crisis

    Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled Diesel prices are hitting margins harder than almost any other input, and most producers simply absorb the cost and hope for a drop. This breakdown shows how to restructure your finance, protect cash flow and manage volatility with a practical four‑step approach. This episode covers: ◼️ How to re‑forecast with realistic fuel pricing and build buffers ◼️ Why working capital must act as a shock absorber, not a choke point ◼️ How the right loan structure frees cash flow and reduces pressure Timestamps: 00:00:00 Introduction 00:01:02 - Cash Flow is King: Understanding Your Financial Health 00:02:27 - Getting Your Loan Structure Right: Preparing for Volatility 00:03:52 - Asset Utilization and Efficiency: Maximizing Fuel Use 00:05:27 - Adopting the CEO Mindset: Proactive Management 00:06:42 - Conclusion: Building Buffers for Future Volatility Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ TikTok: https://www.tiktok.com/@brecken_curtis LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ Seasoned Finance: https://seasonedfinance.com.au

    8 min

  3. 22 APR

    #018 - Reacting to the Realities of Being a Farmer

    Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled This episode dives into the real pressures farmers are facing, from soaring land prices to foreign ownership concerns and new laws allowing farmland to be seized for renewable energy projects. Brecken reacts to viral clips that capture the frustration, uncertainty and financial strain across the sector, and breaks down what these shifts mean for long‑term planning, expansion and succession. This episode covers: ◼️ How rising land values are reshaping viability for both new and established operators ◼️ Why foreign government investment and land acquisition is sparking industry concern ◼️ The impact of renewable energy projects on farmland security ◼️ What expansion looks like when land prices outpace production ◼️ Why succession planning matters more than ever Timestamps: 00:00:00 Introduction 00:01:11 - Rising Land Prices and Business Viability 00:02:38 - Foreign Investment in Australian Agriculture 00:04:13 - Impact of Renewable Energy Projects on Farmers 00:05:21 - Importance of Succession Planning for Farmers Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ TikTok: https://www.tiktok.com/@brecken_curtis LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ Seasoned Finance: https://seasonedfinance.com.au

    7 min

  4. 17 APR

    #017 - Most common mistakes farmers make with their property loans

    Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled Signing loan documents and filing them away feels harmless, but that “set and forget” approach quietly drains profit every year. In this episode, Brecken breaks down the eight mistakes he sees across hundreds of farm loan reviews, and how outdated structures, hidden fees and rigid repayment terms become a financial handbrake if you don’t stay on top of them. This episode covers: ◼️ Loans that were competitive years ago but costly today ◼️ How maxed‑out LVR and rigid repayments limit future borrowing ◼️ Hidden fees that drain profit without you noticing ◼️ Why over‑complicated structures create confusion and extra cost ◼️ How to structure finance with future growth in mind Timestamps: 00:00:00 Introduction 00:01:03 - Mistake #1 00:01:46 - Mistake #2 00:02:38 - Mistake #3 00:03:31 - Mistake #4 00:04:24 - Mistake #5 00:05:58 - Mistake #6 00:06:41 - Mistake #7 00:07:42 - Mistake #8 00:08:24 - Conclusion: Strengthening Your Farm Business Through Smart Finance Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ TikTok: https://www.tiktok.com/@brecken_curtis LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ Seasoned Finance: https://seasonedfinance.com.au

    9 min

  5. 14 APR

    #016 - How to Actually Compare Farm Loan Options (Step by Step)

    Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled Most farmers compare loans by chasing the lowest interest rate, but that’s rarely the cheapest option. In this episode, Brecken breaks down the seven‑step framework he uses to compare farm loans properly and calculate the real cost of credit. This episode covers: ◼️ How upfront costs, valuations and hidden fees change the true price of a loan ◼️ Why line fees, unused limit fees and rigid structures quietly drain thousands ◼️ How to calculate your total cost of credit over 5–10 years so you can compare loans properly Timestamps: 00:00:00 Introduction 00:00:30 - Understanding Upfront Costs 00:01:23 - The Importance of Valuation 00:02:16 - Analyzing Interest Rates 00:03:09 - The Silent Killer - Line Fees 00:03:51 - Unused Limit Fees 00:04:43 - Flexibility of the Loan 00:05:48 - Calculating Total Cost of Credit 00:06:32 - Conclusion: Putting It All Together Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ TikTok: https://www.tiktok.com/@brecken_curtis LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ Seasoned Finance: https://seasonedfinance.com.au

    8 min

  6. 8 APR

    #015 - Australian Farmers Are About To Become VERY Rich (If They Do This)

    Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled Australian agriculture has just hit a record $100 billion valuation, and it’s creating one of the biggest wealth‑building opportunities the sector has ever seen. But most farmers won’t benefit from it. In this episode, Brecken breaks down why only a small group of operators are positioned to capture the upside and how they’re preparing themselves to buy more land, secure bigger loans and scale faster than everyone else. In this episode you’ll discover:◼️ Why farmland values have risen for nine straight years ◼️ How global demand for protein is driving long‑term income certainty ◼️ Why banks see Australian land as a blue‑chip asset ◼️ How efficient operators use their numbers to increase borrowing power ◼️ The three‑step process Brecken uses to get clients acquisition‑ready ◼️ Why pre‑approval and clean financials change everything when a property hits the market Timestamps: 00:00:00 Introduction 00:00:10 - The $100 Billion Opportunity 00:00:21 - The Three-Step Strategy 00:00:42 - Rising Farmland Values 00:01:04 - Global Protein Demand 00:02:09 - Proving Financial Stability 00:03:01 - Leveraging Debt for Wealth 00:04:07 - Getting Acquisition Ready 00:04:38 - Packaging Your Loan 00:05:44 - Building Your Financial Story 00:06:36 - Building Your War Chest Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ TikTok: https://www.tiktok.com/@brecken_curtis LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ Seasoned Finance: https://seasonedfinance.com.au

    8 min

  7. 2 APR

    #014 - Reacting To The Global Shocks Driving Up Farm Costs In Australia

    Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled Global conflict, rising input costs and supply disruptions are hitting Australian agriculture harder than most people realise. In this episode, Brecken reacts to viral clips about fertiliser shortages, diesel scarcity, rising interest rates and the pressure these shocks put on farm businesses. He also breaks down why being finance‑ready matters when the next disruption hits. Timestamps: 00:00:00 Introduction 00:00:45 - Electric Vehicles Debate 00:01:32 - Criticism of Government Policies 00:02:07 - Importance of Financial Planning 00:03:21 - Fertilizer Supply Issues 00:03:55 - Business Cost Management 00:04:16 - Advertisement for Season Finance 00:05:14 - Recap on Middle East Conflict and Fertilizer 00:05:51 - Agricultural Business Resilience 00:06:22 - Opportunities Amidst Crisis Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ TikTok: https://www.tiktok.com/@brecken_curtis LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ Seasoned Finance: https://seasonedfinance.com.au

    7 min

  8. 31 MAR

    #013 - How To Use Finance To Actually Grow Your Farm [Full Breakdown]

    Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled A lot of producers are sitting on an asset that could fund their next expansion, but they don’t realise how to unlock it. In this episode, Brecken sits down with Richard Brimblecombe from Legacy Livestock to unpack how livestock finance really works and how it can accelerate your farm’s growth. This episode covers:◼️ How livestock lending differs from traditional bank lending ◼️ When livestock finance can unlock growth for good operators ◼️ How funding limits, security and repayments actually work ◼️ Using livestock finance to scale, expand or buy property ◼️ The risks, traps and market conditions producers need to understand ◼️ How young producers can use cashflow and livestock to get started ◼️ When livestock funding complements the bank instead of competing with it Timestamps: 00:00:00 Introduction 00:00:57 - Differences Between Livestock Lending and Traditional Bank Lending 00:02:31 - How Livestock Funding Works 00:04:00 - Types of Livestock Funded by Legacy 00:05:09 - Capital for Business Growth 00:05:46 - Success Stories of Livestock Funding 00:07:26 - Relationship Between Livestock Funders and Banks 00:08:07 - Opportunities for Young Producers 00:09:51 - Leveraging Existing Herds for Property Purchases 00:11:59 - Risks in Livestock Trading 00:17:59 - Advice for Young Producers Starting Out 00:19:45 - Importance of Cash Flow and Assets 00:21:29 - Guarantors and Equity Requirements 00:22:09 - Cost of Livestock Funding 00:25:20 - Comparison of Livestock Funding vs. Adjustment 00:27:30 - Funding for Sheep and Other Livestock 00:28:53 - Future of Agricultural Lending 00:30:24 - The Role of Livestock Funding in Business Growth 00:31:00 - Turnaround Times for Funding Applications 00:34:03 - Common Financial Mistakes in Agriculture 00:36:32 - Preparing for More Finance 00:40:08 - Criteria for Approval from Legacy Livestock Follow Brecken Curtis: Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ TikTok: https://www.tiktok.com/@brecken_curtis LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ Seasoned Finance: https://seasonedfinance.com.au Follow Richard Brimblecombe: https://www.linkedin.com/company/legacy-livestock-finance/posts/?feedView=all https://www.linkedin.com/in/richard-brimblecombe-a4515010/ https://www.instagram.com/legacylivestock_finance/ Learn more at https://www.legacylivestock.com.au

    45 min
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Ratings & Reviews

5
out of 5
4 Ratings

About

Welcome to Dollars in the Dirt with Brecken Curtis, the no-BS podcast for Australian farmers and graziers who want to grow their operations and build real wealth. Hosted by Brecken Curtis, Award Winning Agricultural Finance Broker, this podcast breaks down farm loans, property finance, and agribusiness lending strategies that actually work. From rural property loans to cattle station finance, you'll get straight answers on agricultural finance without the jargon. Each episode delivers practical insights on farm expansion, loan structuring, and navigating the finance challenges facing beef producers and graziers across regional Australia. If you're a rural grazier looking to secure more favourable loan conditions for your next expansion, this podcast is a game changer.

Information

  • Creator
    Seasoned Finance
  • Years Active
    2K
  • Episodes
    20
  • Rating
    Explicit
  • Copyright
    © Copyright 2026 Seasoned Finance
  • Show Website
    Dollars In The Dirt

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