Farm Financial Reporting for Australian Agri-Banks

Figured for

Farm Financial Reporting Loved by Australian Agri-Banks

Figured gives Australian agri-bank lending and relationship managers direct access to their farming clients’ financial picture, including current actuals, live budgets, and consistent reporting ready for the next review.

View the same live financial data the farmer and their adviser are using.
Real-time actuals against budget, updated automatically year-round.
Bank-pack standard reporting, consistent across every farm type.

The World’s Largest Farm Financial Management Platform

There’s a reason thousands of farming teams across Australia, New Zealand, the UK, and the USA run their farming clients through Figured. More than 35,000 farms trust the platform — and the lending managers who work with Figured clients know exactly why.

When You Need the Numbers, Figured Is There

One Shared Financial Picture

Farmers can invite their bank directly to Figured, giving lending managers read access to the same actuals, budgets, and production reports the farming team uses.

Actuals that Stay Current All Year

Financial data flows automatically from Xero, MYOB, or QuickBooks Online, categorised by the adviser — a complete picture, reconciled throughout the season.

Reliable Reporting, Every Time

Accountants and advisers using Figured can generate reports directly from live farm data, with no manual formulas to break and no version conflicts. That reduces the risk of error, and massively improves the quality of information.

Complex Ownership Structures, Made Legible

Multi-entity consolidation brings farms spread across trusts, companies, and equity partnerships into one view, eliminating inter-entity transactions to show true group profitability.

Heard This Before?

“The quality of farm reporting varies. Some clients arrive well-prepared; most don’t. That’s just the industry.”

When it comes time for a lending decision on an Australian farm, rural bank managers typically work from a picture that no longer reflects where the farm stands — accounts from months ago, and a budget that hasn’t been revisited since the season began. Within that uncertainty, it can be tricky to determine risk. If a high-performing farm doesn’t track its numbers carefully, or in enough detail, it carries the same uncertainty as every other borrower in the region — worth noting that only 13% of Australian farmers have a functional strategic plan to begin with. Without current information, there’s no way to prove otherwise.

But when a farming client is on Figured? That changes.

Farms that perform well shouldn’t be priced like farms that don’t. Figured makes that possible.

Built for the Way Agri-Banks Work

Farm Access

A Live View Into Every Farm Customer

Join your Figured farmers as a connected organisation with read access to the same live data they’re using with their adviser to track production, build plans, and model future scenarios.

From one login, lending managers can see the farm’s full position against the live plan, plus a variety of financial reports and a consolidated view for multi-entity operations. This is everything the farm team works from, updated as the season progresses.

Risk Management

Confidence in the Numbers Behind Every Decision

Figured pulls financial data directly from the farm’s accounting system, categorised and reconciled by the adviser. Actuals trace back to the live Xero, MYOB, or QuickBooks Online file. On top of that, lenders can see everything else they’ll need before a meeting, like Statements of Position, cashflow forecasts, and budget variance reports.

This makes it easy to note how customer financial performance is tracking against their budget, helping improve confidence in the accuracy and data for more effective credit decisions.

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Relationship Building

Establish Long-Term Relationships Built on Trust

Banks connected to a Figured farm don’t wait for a review to understand how their clients are tracking. Lending managers can spot a cashflow pinch, a buying opportunity, or an emerging risk from their desk, before the client calls.

For farmers, this changes what the banking relationship looks like. Their lender already knows where they stand, can respond quickly when timing matters, and start growth conversations already prepared.

Supporting Great Banking Across Australian Farm Operations

Real-Time Stock Positions for Livestock Lending

In Figured, livestock purchases, sales, births, and deaths all connect directly to the farm’s financial position throughout the season via AgriWebb, so banks can see stock reconciliations and financials together in one place rather than cross-referencing separate systems.

Explore Figured for Livestock

Seasonal Cashflow and Crop-Level Reporting

Cropping operations have concentrated income events and seasonal cost curves that don’t map neatly to a standard financial year. Figured links sowing programmes, input costs, and harvest income directly to the farm’s cashflow through Crop Tracker, giving lenders a clear view of how the season is tracking and where income is forecast to arrive.

Explore Figured for Cropping

Non-Farm Commercial Clients on the Same Platform

Advisers managing mixed portfolios of farming and commercial clients use Figured’s Commercial Manager to bring non-agricultural businesses onto the same platform. For agri-banks with mixed lending portfolios, this extends consistent reporting to commercial clients alongside farming operations.

Explore Figured for Commercial Business

One Reliable View of Complex Farm Structures

Figured Multi-Farm consolidates larger operations spanning multiple farms, enabling accountants and their clients to track, plan, and report on each individual farm, while creating a single view of the operation as a whole.

Where a farm sits across several accounting files instead, Multi-Entity brings them together into a single reporting group, with internal trading between entities netted off, so their lender can see one reliable position whatever the underlying structure.

One Reliable View of Complex Farm Structures

The bank really appreciates the clear transparency around cash reporting and being proactive in decisions, and we’ve got some great strong feedback from the bank around the reports they receive [from Figured].

Mark Edwards Murray Nankivell

With the cashflow budgeting feature for our business, we’ve got the ability to plan ahead and it gives the bank and [our accountant] confidence in us that we can continue to grow and expand as a business.

Duncan Ogilvie Ogilvie Group

The beauty of Figured is that it helps you look forward. It gives you a picture, and it might be six to 12 months down the road of where you’re going. If you don’t like that picture, you’ve got that time to change. It’s just better than looking back at last year’s numbers when it’s a bit late to make a change.

Doug Kelly Paistex Pastoral Co.

Xero Accounting

MYOB Accounting

QuickBooks Online Accounting

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Synlait Dairy Processors

Open Country Dairy Processors

Miraka Dairy Processors

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See Figured in Action

Case Study

Figured for Agri-Banks — FAQ

01Do banks need their own Figured subscription?

Banks do not need to purchase a Figured subscription. When a farming client wants to give their bank access, the farmer or their adviser invites the bank directly to that farm in Figured. The bank receives its own login with read-only access to the farm’s financials, including actuals, budgets, reports, and production data.

Banks do not own or manage the farm’s Figured file. They are added as a connected organisation, with access controlled by the client. Figured works with a number of Australian agri-banks; if your institution already has a relationship with Figured, your team can be set up to receive client invitations directly.

02What reports can Figured produce for a bank lending review?

All of the standard financial reports you would want to support great lending conversations as a bank are built into Figured, such as P&L, balance sheet, cashflow, and variance reporting against budget, plus Statements of Position that record farm assets and liabilities at their current market value.

03How does data in Figured differ from a standard set of EOFY accounts?

EOFY accounts describe a period that has already closed, typically prepared months after the fact. Figured’s data connects to the farm’s accounting system in real time, reflecting what has happened up to the current point in the season.

Figured also holds the farm’s budget and any reforecasts the adviser has produced. A bank with access can see how income, expenditure, and cash position are tracking against the plan, and where the season is expected to end up based on the adviser’s most recent view.

04Can I check how a client is tracking against their budget at any point during the year?

Yes. Figured pulls financial actuals from the farming client’s accounting software automatically and measures these against the budget. A bank with access can log in at any point and see how income and expenditure are tracking against the budget, without waiting for a report to be sent.

If the adviser has updated the reforecast to account for changed conditions or model a specific scenario, that is also visible. You’ll see not just how the farm is tracking against the original budget, but what the adviser’s latest forecast shows for the remainder of the season.