Lender Relations
P&L, Balance Sheet, and Cash Flow packages your ag lender actually wants to see.
What Lenders Actually Look For in Farm Financial Statements
Working capital, current ratio, debt-to-asset. Here's what your lender is calculating from the statements you hand them.
How to Create Lender-Ready Farm Financial Statements (P&L, Balance Sheet & Cash Flow)
Your ag lender doesn't just want a tax return. He wants clean statements that show the operation can pay him back.
How to Prepare for a Farm Operating Loan or Equipment Loan in 2026
Walk into the lender's office with a clean package. Here's exactly what they want and how to assemble it without a last-minute scramble.
What Agricultural Lenders Look for in a Balance Sheet
The Balance Sheet is the first page a lender reads. Here's what they're looking for and what raises concern.
Farm Liquidity Ratios: Current Ratio and Working Capital Explained
Current Ratio and Working Capital to Gross Revenues — the two liquidity numbers your lender watches most closely.
Farm Solvency: Understanding the Debt-to-Asset Ratio
How much of your outfit does the bank already own? The Debt-to-Asset Ratio is how lenders answer that question.
Farm Repayment Capacity: Debt Service Coverage Ratio Explained
Can this farm make its payments and still feed the folks at home? DSCR is how lenders find out.