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Reference & guides2

The read-first sections: the timber value chain, capital and risk, and how a stand becomes four products.

Insuring a logging business
Four policies carry a logging contractor, and the fourth one - workers' compensation - is usually the largest single line item in the business after fuel and payroll. Here is what each one does and why the price is what it is.
- Capital & risk
- Risk
What actually moves your interest rate
A loan rate is two things added together: a published benchmark the lender does not control, and a spread he decides. Knowing which benchmark prices your loan explains why a quote moves between the appraisal and the closing - and knowing where the spread comes from is the only part of the number you can argue about.
- Capital & risk
- Rates