#Cash Flow
Corn and Soybean Budgets That Hold Up at the Bank
Lenders don't fund optimism — they fund defensible assumptions. Here's the checklist that keeps your operating loan approved.
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.
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.
Turn Notebook Receipts Into Clean Farm Books
Photo-in, categorized-out. A workflow that keeps your books current all season instead of once a year.
Corn & Soybean Break-Even: The Formula and Numbers
Break-even price and yield are the fence posts your marketing plan hangs on. Here's how to calculate them right.
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 Repayment Capacity: Debt Service Coverage
Can this farm make its payments and still feed the folks at home? DSCR is how lenders find out.
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.
Farm Bookkeeping: A Monthly Routine
Most farm bookkeeping pain comes from doing twelve months of work in one week. Here's the monthly version.
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.