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Agri-Loan Readiness Kit (Excel) — the farm financials a lender asks for

The reason so many good farmers can't borrow isn't the farm — it's the absence of records a lender can read. This kit converts what you already know into the three things every agri-lender asks for: a month-by-month cash-flow projection, a simple balance sheet, and a clear view of whether the farm can service the loan you want. It ends with a one-page summary you can attach to the application.

Get it — KES 100 · Excel (.xlsx) ↓Pay once via M-Pesa (Kenya) · yours to keep · opens in Excel or Google Sheets

What's inside

Month-by-month seasonal cash-flow with cumulative balance and lean-month flags
Simple farm balance sheet → net worth
Real loan repayment via PMT (annual + monthly)
Repayment-capacity ratio with a Strong/Adequate/Tight/Weak verdict
Auto one-page loan summary for the application
Type-in-yellow, formulas locked; works in Excel or Google Sheets

The tabs

Start Here (guide + colour legend)
Seasonal Cash Flow
Balance Sheet
Loan & Capacity (PMT + verdict)
One-Pager (auto summary)

Yellow cells only. You type in the yellow cells; the rest are locked formulas. Gridlines are off and it prints clean on A4.

Fill the Seasonal Cash Flow with money expected in and out across the year; net and cumulative balances (with red for the tight months) work themselves out. List what the farm owns and owes on the Balance Sheet to get net worth. On Loan & Capacity, enter the amount, rate and term — the annual and monthly repayments compute with a real PMT formula.

The key number is the repayment-capacity ratio: net farm income ÷ annual repayment, with a plain verdict — Strong, Adequate, Tight or Weak. Lenders look for at least 1.2×. The One-Pager pulls the headline figures together so a loan officer can assess you in a minute, not a meeting.

Do it online instead

Track the season — Crop & Shamba Farm Records

Open the free tool →

Frequently asked questions

What is the repayment-capacity ratio?

It's your net annual farm income divided by the annual loan repayment. A ratio of 1.2 means the farm earns 1.2× what it must repay each year. Most lenders want at least 1.2; the workbook labels your ratio Strong, Adequate, Tight or Weak automatically.

Do I need accounting knowledge to use it?

No. You type plain figures into yellow cells — expected sales and costs by month, what the farm owns and owes, and the loan you want. The statements, the repayment schedule and the verdict are all computed for you.

Will lenders accept this?

It produces the standard documents a lender reviews — a cash-flow projection, a balance sheet and a repayment-capacity assessment. Present the One-Pager with your application; every figure traces back to the records you entered.

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