How much operating capital will my farm need?

The funding schedule shows how much operating capital your plan requires and in which months, based on your own costs, seasonal timing and revenue. You see the funding you need before the season starts.

Can I model crops and livestock?

Yes. Enter the revenue and costs of each crop or livestock operation as its own line, with the months you expect to plant, sell or pay.

Can I compare financing proposals?

Yes. Enter each lender’s proposal and compare the interest, cash and Ending Bank Balance side by side.

Can I test a bad year?

Yes. Change a price, a yield or a cost and every statement updates, so you can see what a poor season does to your cash.

Can I include land and equipment purchases?

Yes. Enter land and equipment purchases and their financing, and the model carries them through the financial statements.

Does it replace my accounting software?

No. It calculates from your own inputs and does not substantiate them.

Farming Cash Flow Model

Know how much operating capital you need before the season starts.

Cash-Flow-Model.com turns your farm or ranch into an 84-month projection of revenue, costs, financing and cash. You enter your crops or livestock, your operating costs, your land and equipment, and your loans. The model builds fully integrated financial statements in a GAAP-compliant format.

What you can model

Crop and livestock revenue, with the months you expect to sell.
Seasonal operating costs such as seed, fertilizer, fuel, feed, repairs and labor.
Land and equipment purchases and how you finance them.
Operating loans and other financing, with interest shown month by month.
Buying, leasing or selling a farm or ranch..

Numbers farmers watch

Operating capital. How much cash the farm needs, and in which months, before revenue arrives.
Operating Breakeven. The point where revenue covers your costs.
Ending Bank Balance. Your cash at the end of each month, so you see a shortfall before it happens.

What you get

Income statement, balance sheet, statement of cash flows, funding schedule and an assumptions summary, for 84 months. Change a price, a yield, a cost or a loan term and everything updates.

Who it is for

Farmers, ranchers, farm buyers, lenders and advisors who need a clear answer before committing money.

Built from firsthand experience

Ronald Achs, the founder of Cash-Flow-Model.com, is the former owner of Sawtooth Farms, a 5,312-acre farm and ranch near Declo, Idaho. This model reflects what it takes to buy, operate and finance a working farm. Read more about the company.

Common questions

The funding schedule shows how much operating capital your plan requires and in which months, based on your own costs, seasonal timing and revenue. You see the funding you need before the season starts.
Yes. Enter the revenue and costs of each crop or livestock operation as its own line, with the months you expect to plant, sell or pay.
Yes. Enter each lender’s proposal and compare the interest, cash and Ending Bank Balance side by side.
Yes. Change a price, a yield or a cost and every statement updates, so you can see what a poor season does to your cash.
Yes. Enter land and equipment purchases and their financing, and the model carries them through the financial statements.
No. It calculates from your own inputs and does not substantiate them.

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Other industries

Cash Flow Model for Construction, Cash Flow Model for Upstream Oil & Gas and Cash Flow Model for Website Developers are built the same way. Not sure which fits? See all industries.