How do you position your farm business for growth in an increasingly complex financial environment? In this episode, Matt and Wade are joined by Scott Wishart, co-founder of NZAB, to unpack what really drives lending decisions and why strategy is one of the most valuable assets a farm business can have. The conversation explores how regulation has changed rural banking, what credit managers are looking for, and why clearly identifying risks and building a robust plan can make all the difference when seeking funding.

The team also discuss the growing role of non-bank finance, private credit, equity partnerships, and other capital solutions available to farmers looking to grow, invest, or navigate change. Scott shares insights into succession planning, the challenges of funding long-term opportunities that sit outside traditional banking frameworks, and why patient capital may play an increasingly important role as farm ownership transitions over the coming years. To learn more about NZAB, visit www.nzab.co.nz.