Agricultural Financial System

Agricultural Financial System: current accounts, credit, taxes and cash flow 💵

Buy a tractor and the money vanishes from your pocket instantly? No farm works that way. Here you buy on account, get paid on terms, earn your credit, pay your taxes and settle your staff's wages at the end of the month.

🏢 YOUR COMPANY

Company name, tax ID, bank, town and employee name, shown on the bank card, invoices, payslip and ATM. Every supplier and customer keeps the name you give it and its own history.

🏦 YOUR BANK

The bank account as a home banking card, next to cash, committed funds and credit margin. Every row has its paper document: invoice, purchase order, cheque, promissory note, sale settlement or payslip, with its status stamp. Statement with Debit, Credit and Balance. Transfer money to another farm, with the bank cost of your country shown before confirming. Placeable 3D ATM of the same bank.

🛒 CURRENT ACCOUNTS

Buy on credit in the shop, at the animal dealer, in construction, at buying stations and at the map's fuel stations. Cash, 30, 60 or 90 days, with a 0, 2, 5 or 10 % surcharge shown before you choose. A 25 % down payment halves it for machinery and buildings. Pay early and get 3 % per month off.

📊 ONE CREDIT LINE YOU HAVE TO EARN

One line for the whole company: starts at 100,000 (50,000 or 250,000 in the settings) and grows 15 % each time you pay on time, up to 8 times. If the margin isn't enough, the purchase is rejected.

📝 PROMISSORY NOTES AND CHEQUES

Above your margin, sign a promissory note: 180 days, 30 % surcharge, up to twice your earned limit. Deferred cheques at 30, 60 and 90 days. Two bounced cheques suspend your chequebook.

⚠️ ARREARS AND SEIZURE

One overdue account drops your available credit to zero; the earned limit comes back when you settle. 3 % monthly penalty interest. Refinancing up to twice. An unpaid promissory note goes to seizure.

💰 RECEIVABLES

Sales, contracts and animal sales are paid on terms. Collect by bank deposit or in cash at the factory counter, tax-free. Sometimes a customer pays late, always with a reason.

🧾 OPTIONAL TAXES BY COUNTRY

Argentina, Brazil, Spain, Germany, France, Italy or the United States. Off by default. VAT, monthly VAT return and annual income tax with depreciation and losses. Invoicing tab like the tax authority's portal, with the invoice on paper. Contracts are invoiced to the NPC who owns the field.

🤝 INVOICES BETWEEN FARMS

Invoice another farm for a job. It accepts or rejects it; you get paid when it pays.

🚜 FARM AND CONTRACTOR (optional)

Two bank accounts in one company: contracts go to the Contractor, sales to the Farm. Automatic cover, free transfers, and you choose which account pays each purchase.

👷 STAFF

Wages settled monthly with labour charges (Realistic 47.3 % or Low 15 %). A real payslip. Unpaid payroll: your staff won't take new jobs.

🌾 GRAIN BARTER

Settle a debt with grain, valued 5 % above market, under a signed contract.

⚙️ SETTINGS

Tax regime, starting credit, staff cost, commercial terms and Farm and Contractor, in the game menu. In multiplayer only the admin changes them. Works with Supply & Transport Contracts, and other mods can add their own accounts.

Single player, multiplayer and dedicated server. Spanish, English, German, French and Italian.

Made with a passion for realistic farming simulation. 🚜