#Lender Relations
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 Import Schedule F Into Farm Accounting
Schedule F numbers are already IRS-accepted. Import them once and reuse them as a tax-verified baseline for your P&L.
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.
Cash vs Accrual Accounting for Farms
Cash is simpler. Accrual is more accurate. Most farms actually need both — here's how to split the difference.
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.
Why Your Farm P&L Doesn't Match the Tax Return
Cash vs. accrual, missing categories, depreciation differences — here's why your P&L and Schedule F drift apart, and how to close the gap.
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.
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.
Farm Management Software: What to Compare
Most farm management software demos well and fails at year end. Here's the checklist that separates the two.