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Farm Financial Health Dashboard
Seven tabs built around the measures ag lenders use.
Enterprise Analysis
Revenue and costs by enterprise (corn, soybeans, cattle, custom work) with overhead allocated by revenue share. Gross margin, net income per acre or head, and breakeven $/bu for crop enterprises. Totals reconcile to the income statement figures on the Balance Sheet tab.
Cash Flow Projection
12-month cash flow with monthly inflows, outflows, and running balance. Models a revolving operating line against a cash buffer you set, and reports your peak borrowing month and peak line balance.
Balance Sheet
Current, intermediate, and long-term assets and liabilities, with a prior-year column. Calculates total assets, total liabilities, and net worth, and flags a subtotal that does not foot.
Debt & Equipment Schedule
The supporting detail behind the balance sheet summary lines, in the format lenders ask for. Equipment, breeding livestock, real estate parcel by parcel, and grain and market livestock priced from quantity, weight, and price. Enter each loan once with its rate, accrued interest, payment, and maturity, and the tab works out the current versus non-current split from those terms. 38 comparison lines show which figure corresponds to which balance sheet cell and flag anything that differs.
Ratios & Scorecard
20 financial ratios across the 5 FFSC categories — liquidity, solvency, profitability, repayment capacity, and efficiency — using Farm Financial Standards Council definitions, including the operator labor and management adjustment. Benchmark ranges follow the University of Minnesota Farm Finance Scorecard. Letter grades A-F on six headline measures, plus a benchmark comparison for operating line, equipment, real estate, and expansion borrowing. Solvency is reported two ways: consolidated, and farm-only with the residence, retirement accounts, and home mortgage removed.
5-Year Trend
Key financial metrics tracked over 5 years with trend arrows showing movement against year one.
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