#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.
Chart of Accounts for a Grain Farm (With the List)
Most farm bookkeeping problems start with a chart of accounts built for a hardware store. Here's one built for grain.
What Your Lender Reads on a Farm Balance Sheet
A loan officer spends about four minutes on your balance sheet. Here's exactly what they're looking at in those four minutes.
Prepaid Inputs and Grain Inventory, Done Right
Two entries cause more ratio damage than anything else on a farm balance sheet: fall prepays and grain in the bin. Here's the fix.