Free Guide For Accountants and Advisers

The Farm Cash Flow Planning Playbook

A practical guide for accountants and agri-advisers working with farming clients. How to build a plan that shows cash pressure early enough for your client to act on it, using the actuals you already have.

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Most Australian Farms Run Without a Plan

There's an opportunity for accountants and advisers to give farmers the support they need, and grow their own practice doing it.

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13% of Australian farmers have a strategic plan guiding their investment decisions
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74% of Australian farmers don't regularly audit their farm financials
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198% average revenue uplift per client for practices moving from compliance-only to advisory

Inside the Playbook

Three Planning Practices, and the Questions to Ask Next

  • Start from what you already know. Build the forecast from historical actuals, strip out the one-offs, and put your attention on the assumptions that are actually changing.
  • Connect costs to farm drivers. Where $/head, $/hectare, and % of an account do more work than a fixed dollar figure, and which assumptions are worth the effort.
  • See funding pressure months ahead. What a useful cash-flow review looks at: forecast cash position, seasonal peaks in expenditure, overdraft limits, available headroom, and the periods where facilities could be exceeded.
  • The six-month conversation. The same overdraft problem found six months early, and what the client can still do about it at that point.
  • Keep the plan alive. The plan, actuals, variance, reforecast, advise cycle, and how a change from budget becomes information you can use rather than something to explain at year end.
  • Ten questions for your next review. A checklist you can take straight into a client meeting.
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Who It's For

For Accountants and Advisers Working with Farming Clients

  • You've had the year-end conversation where the overdraft was already at its limit. The financial problem was the same six months earlier. The options weren't.
  • You rebuild client budgets from a blank spreadsheet each year. The playbook starts from the actuals already sitting in the accounting file.
  • You advise across livestock, cropping, and mixed operations. The driver-based approach covers $/head and $/hectare, so it applies whatever your clients run.
  • You want a planning process you can repeat rather than reinvent. The playbook sets out the same three practices whether it's the first client or the fortieth.
  • You work independently as a farm business consultant. Nothing here assumes you hold the compliance relationship. It assumes you're the one being asked what happens next.
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The Farm Cash Flow Planning Playbook

Get your copy of this free financial planning playbook for accountants and advisers working with farming clients. It finishes with 10 questions you can take straight into your next farm cash-flow review.
Download the Playbook