A drought area of Saskatchewan just got two weeks of standing water.

Harvest is coming and margins are tight either way, but the numbers still

have to work. Most farm finance advice arrives as a binder nobody opens.

This conversation is five numbers, in plain language, from a CPA who goes

home to a working grain and lentil farm at night.

Richelle Boyd, MNP's National Leader for Crop Services, and Dean

Klippenstine, a senior partner in MNP's agriculture practice, walk through

what good looks like on a real operation and what to check first when

something feels off.

What's Inside

- Gross margin: whether the crop is producing enough room for the rest of

 the farm

- Cost of production: finding your real break-even number per acre

- Cash flow: why a profitable year on paper doesn't mean the account is

 ready

- Debt servicing: manageable debt versus debt that leaves no room for a

 bad crop

- Working capital: the cushion between what you can turn into cash and

 what's coming due

Resources Mentioned

MNP -- "The Numbers Every Farm Business Should Know" -- mnp.ca/en/insights/directory/the-numbers-every-farm-business-should-know

MNP Agriculture practice -- mnp.ca/en/industries/agriculture

Connect with Richelle Boyd

MNP -- mnp.ca/en/personnel/richelle-boyd

Connect with Dean Klippenstine

MNP Agriculture -- mnp.ca/en/industries/agriculture

Connect with Growing the Future

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