Farm CFO Services

Strategic financial management designed for grain farming operations.

1. Crop Enterprise Analysis

What It Is: Detailed profitability analysis by crop, by field, and by farming practice. Know your true cost of production and which enterprises are actually making money.

What You Get:

  • Cost of production by crop and by field
  • Profit margin analysis for each enterprise
  • Comparison of different farming practices (conventional vs. no-till, etc.)
  • Identification of which crops and fields are carrying their weight
  • Data-driven recommendations for crop rotation and practice decisions

 

Why It Matters: Stop guessing about profitability. Make planting decisions based on actual financial data, not just yield potential or tradition.

2. Break-Even Analysis

What It Is: Calculate the exact price point you need to achieve profitability on every acre. Understand your break-even before you plant, not after you harvest.

What You Get:

  • Break-even price by crop
  • Break-even yield analysis
  • Sensitivity analysis (what happens if prices drop 10%? If yields fall short?)
  • Marketing window identification

 

Why It Matters: Make confident marketing decisions. Know when you have room to hold for better prices and when you need to lock in margins.

3. Equipment Lease vs. Buy Analysis

What It Is: Financial modeling that shows the true cost of equipment ownership vs. leasing vs. custom hire – including tax implications, cash flow impact, and opportunity cost.

What You Get:

Complete cost comparison, cash flow impact, tax benefit calculations, ROI projections, and recommendations.

Why It Matters: Equipment decisions tie up hundreds of thousands of dollars. Make sure you’re making the choice that maximizes long-term profitability.

4. Land Acquisition Financial Modeling

What It Is: Comprehensive analysis of land purchase opportunities, showing cash flow impact, debt service coverage, and required returns.

Why It Matters: Land is your biggest capital decision. Understand exactly what you need to generate per acre to make it work.

5. Cash Flow Forecasting

What It Is: Monthly cash flow projections that account for seasonal grain farming realities—heavy spring expenses, summer quiet period, fall harvest income.

Why It Matters: Plan operating loans, input purchases, and major investments with confidence instead of stress.

6. Forward Contract & Marketing Strategy

What It Is: Integrated financial planning that shows how grain marketing decisions impact your overall operation’s financial health.

Why It Matters: Make marketing decisions that optimize your total operation, not just bushel prices.

Not Sure Which Services You Need?

Let’s discuss your operation and your biggest financial questions. I’ll recommend the analysis that will give you the most value.