Farm loan X-Ray
See what your farm loan is really doing to your cash flow.
Upload a statement or amortization schedule. Hank reads the numbers, you confirm them, and deterministic math shows the remaining cost, the maturity risk, and how different rate and term scenarios change the picture.
No credit pull. No lender contact. You confirm every number before anything is calculated.
Your Loan X-Ray
Balloon ahead$98,651 / year
What this loan takes each year Estimated
Balloon due Mar 2030 — a big payment is coming
Refi fees earned back in about 13 months
A sample X-Ray. Your confirmed numbers replace these.
What you get back
Next 12 months of debt service
What the current structure actually requires from cash flow over the coming year, from your own confirmed payment and frequency.
Projected remaining interest
What the loan is projected to cost from here under its current terms, with the assumptions stated in plain English.
Maturity and balloon timing
A maturity date is a financing event with a date on it. A balloon is shown separately, never buried inside the payment math.
Rate and term scenarios
Test a different rate or amortization and see both effects: the change in annual cash flow and the change in lifetime interest.
Every number is labelled
Nothing on the result screen is unattributed. Each figure carries where it came from.
- Known
Confirmed from your own document.
- Estimated
Derived or projected by deterministic math.
- Scenario
A hypothetical you are testing.
- External reference
An official published rate, always source-dated. Not a quote.
A neutral answer is a real answer
If the scenarios tested do not find a material improvement, LoanHank says so. “Your current structure holds up well” is a supported outcome, not a failure. Hank stops rather than guessing, and longer amortization is never called savings when total projected interest rises.