If you're tired of depending on the bank, the government, or unpredictable markets for your farm’s future—this book is your game plan.
Growing Your Own Capital isn’t just a book about finance. It’s a step-by-step guide to building a private, farmer-driven banking system—one that keeps your money working for your family, instead of someone else’s bottom line.
Inside, you’ll uncover:
The BankersMan™ Case Study – Follow the 10-year journey of two farmers. One stayed dependent on his credit union; the other took control of his capital and built resilience, independence, and a future-proof operation.
The Momentum Platform™ – Discover how this system creates ongoing motion and liquidity in your farming operation, allowing you to plant, grow, and harvest without waiting on approvals or chasing payment deadlines.
Fertilize Your Finances – Learn how mindset, seasonal habits, and financial discipline work together to maximize profits and create long-term soil health for your money.
Stockpiling Capital – See how families are building liquid reserves inside their personal system, growing wealth they can access for any purpose—from land to livestock to retirement.
Drought-Proof Planning – Build wealth that’s durable. Learn how to structure your financial ecosystem to withstand external shocks: droughts, storms, rising interest rates, or even family disagreements.
Whether you’re 25 and just bought your first quarter section, or 65 and planning your legacy—this book offers a clear roadmap for taking back control of your financial future.
We wrote Growing Your Own Capital because we’ve walked the same dirt roads, faced the same rising costs, and wrestled with the same financial frustrations you have. We know what it feels like to build a business the hard way—and to wonder if there’s a better path forward.
This book isn't theory. It’s rooted in real stories, real numbers, and real families who've chosen to stop leaking capital to outside banks and start reclaiming control of their own financial system.
Dan Allen has spent more than 30 years in agriculture and farm-related business. He built his first farming operation from the ground up and has experienced the full weight of financial pressure—especially during the interest rate crisis of the early 1980s. With loans reaching over 21% interest, Dan was forced to work off the farm just to survive. That experience shaped his lifelong mission to find a better, more stable way to fund farm operations. When he discovered the Infinite Banking Concept (IBC), it changed everything. Today, Dan has implemented a comprehensive system using dividend-paying whole life policies across three generations of his family, including his children and grandchildren. He speaks from personal experience—because he uses this strategy every day. Whether he's replacing bulls, funding equipment, or planning future transfers of his land, Dan’s story proves that financial control isn't just possible—it's essential. His journey has inspired countless other farmers and ranchers to rethink the way they grow capital and secure their legacy.
Richard Canfield grew up in the farming community of Hay Lakes, Alberta, surrounded by wheat and canola fields. His early years were filled with long days helping on family farms—building fences, shearing sheep, cutting hay, driving grain trucks and tractors, and lending a hand during harvest whenever a neighbor needed help. It’s where he learned the value of hard work, community, and what it means when income and weather both feel uncertain. Today, Richard is a family wealth strategist, educator, and one of Canada’s most recognized Authorized Infinite Banking Practitioners. He brings a unique blend of practical farming insight and financial strategy to help farm families across the country protect their capital, grow their independence, and create wealth that stays rooted in the family for generations.
Jayson Lowe was raised in the forestry and mining town of Timmins, Ontario, where blue-collar grit and strong family values were essential for survival. Growing up in a working-class home, he saw firsthand how families worked tirelessly only to have financial control slip through their fingers. That drove him to study wealth systems, ownership principles, and strategies that actually work for real people. Today, as the Founder of Ascendant Financial, Jayson leads one of Canada’s most trusted financial coaching organizations, helping thousands of families and business owners implement the Infinite Banking Concept in their lives. He’s passionate about helping farmers reclaim control over their money, remove dependency on outside lenders, and build operations that can weather any storm—including the ones that can’t be seen on the radar.
We believe you can build a banking system to support your farm, not the other way around. Whether you raise cattle, grow crops, or manage a mixed operation, the tools in this book are designed to help you grow your capital as faithfully as you grow your land.
From our family to yours—thank you for reading, learning, and taking the steps toward a more peaceful, profitable future.
Let’s grow something that lasts.
— Dan Allen, Richard Canfield & Jayson Lowe
Authorized Infinite Banking Practitioners
