Our Services
Financial strategies that make modern farming thrive.
You know farming. You know the land, the stock, and the work it takes to get a crop in or a lamb to market. We know business and we speak your language.
At AgFin, we bridge the gap between your practical know-how and the financial strategies that make modern farming thrive.
It’s about putting more horsepower into your decisions, not replacing the way you work.
Turn our combined experience into strategy – use your on-farm knowledge alongside our financial insight to make every decision count.
Plan with confidence
Forecast, budget, and adapt with tools that respond to changing seasons, markets, and costs.
Grow on your terms
Assess opportunities for expansion, investment, or diversification with clear numbers and no guesswork.
Build for the future
Set up your farm for long term success with improved profitability, financial resilience all designed with family outcomes.
Farm Financial Roadmap
Going beyond the Farm Financial Fitness Assessment, you’ll get a clear picture of where your business stands today, what’s working, and what’s quietly dragging on profit. We’ll then build a practical path forward that lines up with your goals - whether that’s expansion, debt reduction, succession, or simply running a calmer, more predictable business.
This means detailed trends across income, cost structure, production, equity, borrowing power, cash flow patterns, and resilience. It’s the kind of visibility corporate farms pay a fortune for, but translated into plain English and applied to your family operation.
You’ll get ongoing support across the year, regular check-ins, on-farm conversations, rolling forecasts, scenario modelling, lender-ready reports, and guidance to stay on track as seasons and markets change. It’s a partnership — not a one-off project — designed to keep you moving towards the outcomes that matter most to your family.
Farm Financial Fitness Assessment
A practical review of your farm’s financial position that goes beyond tax reporting to measure the business’s true financial health. It examines profitability, debt load, cost of production, and cash flow to identify strengths and pressure points.
Also providing insight so you will know exactly where their business stands, how your banker really views your operation, what risks need attention, and what opportunities exist for improvement.
Helping you make better-informed decisions about spending, borrowing, and growth—turning numbers into the start of a farm roadmap for a stronger, more predictable farm business.
Our Signature Services
Family farm financial consultant services
Cash Flow Forecasting & Management
Hope for the best, plan for the worst. Stay prepared and protect your financial position against uncertainty.
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Interest Rates: Tools, costs, flexibility, trade-offs explained in plain English
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Working Capital & Liquidity Readiness: Early-warning KPIs, buffers, and risk policies
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Contingency Planning: Drought/price-shock playbook and cash-preservation moves.
Annual and Strategic Planning
With planning & analysis, long-term goals become actionable plans with a clear financial direction.
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Strategic Plan on a Page: Set 3–5 year priorities, targets, and guardrails
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Annual Plan & Rolling Forecasts: 12-month budget plus quarterly re-forecasts
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What-If & Opportunity Analysis: Scenario modelling for land, farm gear, or enterprise mix
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Farm Succession & Generational Change: Structured pathway, roles, and timelines.
Family and Business Advisory
Keep family and business moving in the same direction.
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Board & Advisory Roles: Rhythm, info packs, decision frameworks, accountability
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Family Meeting Facilitation: Helping families run the business together, stay aligned, and make confident decisions
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Quarterly Check-Ins & Hot-Seat Sessions: A regular process that keeps everyone aligned, flags issues early, and maintains momentum without heavy meetings.
Budgeting and Performance
Measure, adapt and lift performance with regularity and focus where it matters most.
-
Dynamic Budgeting: Adapt your budget as seasons shift - stay agile, stay profitable. Includes KPI dashboard and targets
-
Cost-of-Production Deep Dive: Inputs vs overheads, profit-margin improvement.
-
Profit Improvement: Understand the underlying selling price needed to fit your goals.
Finance Reviews
Build your bank’s confidence in you and optimise how your business is funded.
-
Finance-Ready Business Pack: Lender-grade proposal, ratios, serviceability & scenarios
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Applications for Finance: Submissions, tenders, and closing support
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Capital Structure & Liquidity: Debt mix, term vs working capital, buffer policy.
-
Sourcing Non-Bank / Private Credit: Curated options and term-sheet mediation.
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Get the Most from Your Lender: Annual reviews, pricing negotiation and relationship strategy.
Farm Expansion and Property Purchase Analysis
Avoid overcommitting on growth opportunities with clear financial evidence and practical insight.
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Acquisition & Investment Analysis: Payback, sensitivity, and risk flags
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Pre-Purchase Property Due Diligence: Financials, serviceability, and debt structure options
-
CAPEX Discipline: Machinery replacement planning and funding structures.
Cash Flow Forecasting & Management
Hope for the best, plan for the worst. Stay prepared and protect your financial position against uncertainty.
-
Interest Rates: Tools, costs, flexibility, trade-offs explained in plain English
-
Working Capital & Liquidity Readiness: Early-warning KPIs, buffers, and risk policies
-
Contingency Planning: Drought/price-shock playbook and cash-preservation moves.
Annual and Strategic Planning
With planning & analysis, long-term goals become actionable plans with a clear financial direction.
-
Strategic Plan on a Page: Set 3–5 year priorities, targets, and guardrails
-
Annual Plan & Rolling Forecasts: 12-month budget plus quarterly re-forecasts
-
What-If & Opportunity Analysis: Scenario modelling for land, farm gear, or enterprise mix
-
Farm Succession & Generational Change: Structured pathway, roles, and timelines.
Family and Business Advisory
Keep family and business moving in the same direction.
-
Board & Advisory Roles: Rhythm, info packs, decision frameworks, accountability
-
Family Meeting Facilitation: Helping families run the business together, stay aligned, and make confident decisions
-
Quarterly Check-Ins & Hot-Seat Sessions: A regular process that keeps everyone aligned, flags issues early, and maintains momentum without heavy meetings.
Budgeting and Performance
Measure, adapt and lift performance with regularity and focus where it matters most.
-
Dynamic Budgeting: Adapt your budget as seasons shift - stay agile, stay profitable. Includes KPI dashboard and targets
-
Cost-of-Production Deep Dive: Inputs vs overheads, profit-margin improvement.
-
Profit Improvement: Understand the underlying selling price needed to fit your goals.
Finance Reviews
Build your bank’s confidence in you and optimise how your business is funded.
-
Finance-Ready Business Pack: Lender-grade proposal, ratios, serviceability & scenarios
-
Applications for Finance: Submissions, tenders, and closing support
-
Capital Structure & Liquidity: Debt mix, term vs working capital, buffer policy.
-
Sourcing Non-Bank / Private Credit: Curated options and term-sheet mediation.
-
Get the Most from Your Lender: Annual reviews, pricing negotiation and relationship strategy.
Farm Expansion and Property Purchase Analysis
Avoid overcommitting on growth opportunities with clear financial evidence and practical insight.
-
Acquisition & Investment Analysis: Payback, sensitivity, and risk flags
-
Pre-Purchase Property Due Diligence: Financials, serviceability, and debt structure options
-
CAPEX Discipline: Machinery replacement planning and funding structures.