Farm Financials
Every farm’s returns and balance sheet spread into accrual income and coverage ratios, each number cited.
Why it matters
Ag lenders rebuild farm balance sheets and Schedule F income by hand every year, mixing cost and market values and missing family living costs and off-farm income.
How the solution handles it
Agents read the returns and balance sheets, build cost and market columns, adjust cash income for inventory and prepaid changes, and calculate FFSC ratios such as term debt and lease coverage. Every number links to its page; the ag loan officer reviews and signs the spread.
How a farm file moves
Five agents read the returns, build the balance sheet, adjust to accrual, calculate the ratios and draft the narrative; an ag loan officer reviews and signs.
What it reads, and what it hands back.
What goes in
- Schedule F (Form 1040) and returns
- Farm balance sheet (cost and market)
- Cash-flow projection
- Inventory and production records
- Off-farm income proofs
What comes out
- Spread with FFSC ratios
- Term debt and lease coverage
- Accrual-adjusted net farm income
- Credit narrative draft
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Sources: IRS Schedule F (Form 1040) · Farm Financial Standards Council ratios (term debt and lease coverage) · “Target” = design goal, measured in the live solution · “Estimated” = our estimate · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every crop plan tied to APH yields and the insurance policy, so the line rests on insured revenue.
Farmland AppraisalEvery farmland appraisal reviewed for support, comps and income value, with every finding cited to its page.
Operating Line RenewalEvery operating line renewed before planting, with last year’s results, this year’s plan and collateral checked.
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