Mid-Year Check In

June 30, 2025 | AgFocus-Ag Focus | BusinessFocus-Business Focus

The second half of the year is where momentum is built or lost. At Security Bank, we believe the businesses and farms that pause now to plan ahead are the ones that finish strong. This month’s article is your reminder to take that step before opportunity passes you by.

 

The Year's Half Over - Are Your Finances Where They Should Be? 

You’ve been working hard. Running your farm. Managing your business. Navigating interest rates, market swings, and staffing shortages.

But here’s a truth most business owners overlook:

What you do right now determines how you finish the year.
At Security Bank, we’re not just here to lend money. We’re here to help you win the second half of 2025—on your terms.

Why a Mid-Year Financial Check-In Matters

Most people don’t look at their finances until tax season.
By then, it’s too late. Right now, you still have time to:

  • Adjust your cash flow strategy
  • Lock in better loan terms
  • Prep for year-end deductions
  • Avoid the kind of surprises that derail your goals

This isn’t just a “good idea.” It’s the difference between hoping for a strong finish and planning for one.

Are You Leaving Money on the Table?

 If expenses have crept up or revenue isn’t tracking where it should be—don’t wait.

Now might be the time to:

  • Tap into a line of credit to boost flexibility
  • Refinance old debt at better terms
  • Make smart equipment or input purchases with potential tax advantages

We can walk you through what’s worth doing—and what can wait. No guesswork. Just real answers from someone who knows your operation.

Goals Change—That’s Okay

What you set out to accomplish in January might look different today. Markets shifted. Input costs rose. Maybe your business outgrew its plan.

Let’s reset the course:

  • What’s next for your operation?
  • What does success look like by December?
  • And how do we help you get there?

Smart Moves = Smaller Tax Bills

Mid-year is the perfect time to start thinking about tax strategy. Why? Because you still have time to make moves that count:

  • Capital improvements
  • Prepaying inputs
  • Adjusting depreciation schedules

Miss this window, and you may be stuck with a tax bill you could’ve avoided.

Don’t Wait and Wonder—Act Now or Pay Later

If you wait until fall, your options shrink. Rates may rise. Equipment may not be available. Loan approvals could take longer. And tax-saving opportunities? Gone.

The businesses that check in now will be the ones ready to finish the year strong. The ones that don’t? They’ll be playing catch-up—possibly at a high cost.

Don’t leave your year-end results up to chance.

Call your trusted Security Bank lender. Schedule your mid-year check-in. Stop by the branch. It only takes a few minutes—but it could make all the difference.