#Balance Sheet
What Lenders Look For in Farm Financials
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 Financials
Your ag lender doesn't just want a tax return. He wants clean statements that show the operation can pay him back.
Form 4562 and Your Farm Balance Sheet
Form 4562 is a ready-made asset list hiding in your tax return. Here's how to use it to build a defensible Balance Sheet.
How to Prepare for a Farm 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: Current Ratio and Working Capital
Current Ratio and Working Capital to Gross Revenues — the two liquidity numbers your lender watches most closely, with a worked example and the seasonal swings that move them.
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.
Agriculture Accounting: Guide for Row-Crop Farms
Ag accounting isn't small-business accounting with tractors. Here's what's genuinely different, how to handle each piece, and what the finished year should look like.