#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 Legal Pad Receipts Into Clean Farm Books
Photo-in, categorized-out. A workflow that keeps your books current all season instead of once a year.
Break-Even Price and Yield for Corn and Soybeans
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.