Agricultural Financial System adds real current accounts, credit and cash flow to farming operations. Buy on account, receive payments on terms, and build credit through timely payments.
Company details: Enter the company or estate name, tax ID, bank or lender, and town. These details appear in the header of the finance panel and are saved with the game and synchronized in multiplayer. Suppliers and customers retain their own names, histories, and credit limits. Customers detected on the map can also be given custom names.
Features
- Current accounts: A “Charge to Current Account” button appears on the shop’s normal purchase screen next to “Buy”. Buy now and pay later for tractors, implements, seeds, fertilizer, pallets, and placeables.
- Standard 30-day trade terms, up to 60 depending on the supplier.
- Early payment discount of 3% per month.
- Every purchase classifies itself by reading the item’s real shop data. A fertilizer spreader draws on Machinery, while seeds draw on Supplies. This also works with items from other mods.
- A single overdue account drops available credit to $0 across both types and for promissory notes. The earned limit returns in full when the debt is settled.
- Penalty interest of 3% per month applies to overdue balances.
- Refinancing is available at a 15-25% surcharge and up to twice per debt.
- An unpaid promissory note goes to enforcement. Until the farm is back in the black with real money, no supplier will extend credit.
- Promissory notes can be used when the current account is insufficient, with terms of up to 270 days. The ceiling is twice the earned limit, reduced by existing open notes.
- Sales settle on terms that depend on the product sold.
- Direct debit pays debts automatically when money is available in the bank and they fall due.
- Sales to your own selling points are spread across daily instalments.
- One receivable can be delayed 7 to 21 days beyond the agreed date, with a concrete reason: sales were down this month, an internal problem, a supply disruption, or short on cash.
- An on-screen notice names the customer and states how many days late the payment will be. This event is rare, can happen only once to any given account, and does not occur more often because more sales are outstanding.
- The 3D ATM is a placeable. Buy it, place it, and use it for deposits, withdrawals, and balance enquiries while keeping Cash and Bank separate.
- Grain exchange barter contracts allow future grain to be committed in return for supplies today, with a cancellation penalty.
- Cash-flow panel with five figures in distinct colours: Cash, Bank, Committed Funds, Supplies Margin, and Machinery Margin.
- Event log with the full history of every movement.
- Serially numbered vouchers keep current accounts and promissory notes separate.
- Payment terms adapt to how long a month lasts in the game.
- Multiplayer and dedicated server compatible.
- Translated into Spanish, English, German, French, and Italian.
Specifications
- Supplies credit line: $50,000 to start.
- Machinery credit line: $100,000 to start.
- The credit limit grows 15% after each on-time payment, up to 8× the starting figure.
- Late payments do not increase the credit limit.
- Purchases are rejected when the applicable margin is insufficient.
- Current account terms: 30 days, up to 60 depending on the supplier.
- Promissory note terms: up to 270 days.
- Receivable delay: 7 to 21 days beyond the agreed date.
- Refinancing surcharge: 15-25%, up to twice per debt.
Changelog
- V1.2.0.0
Major update over the previously released 1.0.2.0. Everything listed below is new or changed; anything not mentioned remains unchanged.- Credit lines: Two new categories with their own credit limits, Construction starting at $250,000 and Livestock starting at $120,000, in addition to Inputs at $50,000 and Machinery at $100,000.
- Each farm has its own credit line with each supplier in each category. Paying on time increases that specific credit line by 15%, without affecting credit in other categories.
- In multiplayer, one farm can no longer use credit earned by another farm.
- Construction purchases can now be made on account. The fourth button in the construction screen activates this option.
- Livestock purchases on account now work correctly. In version 1.0.2.0, the button was still charging the purchase immediately.
- When assigning a purchase, you can choose Cash, 30, 60, or 90 days, with surcharges of 0%, 2%, 5%, or 10%, respectively. The surcharge is shown in currency before confirming the option.
- For machinery and construction purchases, a 25% down payment reduces the surcharge by half.
- A purchase that you do not assign to a payment term is no longer charged immediately. The supplier will invoice it at 30 days with a late-payment surcharge.
- If a shop purchase exceeds the available credit limit, a promissory note is offered before the purchase is made, with its terms clearly displayed. If it is rejected, nothing is purchased.
- Promissory note terms are 180 days with a 30% surcharge. The monthly cost is higher than using a current account.
- The credit limit is reserved at the time of purchase. Promissory notes have their own orange color and status in the lists and cannot be settled using grain.
- An overdue receivable is no longer collected automatically. Choose between a bank deposit with a 4% bank tax or collecting the payment in cash at the factory counter. You must personally go to the factory to collect it.
- If you do not visit the counter, the payment will still be deposited into your account after a few days.
- The hourly cost of hired workers is no longer charged immediately. It accumulates and is settled once per month as a payable account consisting of the base wages plus 35% labor costs.
- If the payroll remains unpaid after its due date, workers will no longer accept new jobs.
- New Personnel tab showing the current month.
- A signed grain barter agreement is displayed as a contract with seven clauses, status stamp, and signatures.
- Only one active contract is allowed per farm.
- If the barter debt is paid in cash, the contract is terminated without penalty and the transaction is recorded in the Statement.
- ATM deposits and withdrawals made by clients are no longer discarded.
- Client company information is saved and displayed instantly.
- Bank balances and credit limits are synchronized with clients immediately, without waiting for the end of the day.
- A client cannot create, pay, collect, or modify transactions belonging to another farm.
- The mod tab no longer disappears from the menu bar.
- Icons were added to the balance and credit-limit rows, and the ATM interface was redesigned.
- Company Information can now be opened from any tab.
- Lists are always sorted by the nearest due date.
- Purchases made at purchase stations now display the product name in the game’s selected language, for example, “Wheat Purchase”.
- Financial data is now saved together with the game save.
- If you exit without saving, financial transactions are also discarded, just like the rest of the game.
- Paying livestock purchases on time now increases the livestock credit line instead of the machinery line.
- Assigning a purchase to a supplier no longer changes the category of their credit line or removes previously earned credit.
- Payroll settlement no longer creates a credit line.
- Grain barter agreements no longer fill the error log.
- Compatible with save games from version 1.0.2.0: no new game is required, and previously earned credit is preserved in its respective category.
- Multiplayer and Dedicated Server supported.
- V1.0.2.0
- New: post-dated cheques, 30/60/90 days, to settle an open current-account entry using the “Issue Cheque” button.
- A bounced cheque adds a 5% surcharge, goes overdue, and lowers the supplier limit. A second bounce suspends cheque issuing for 90 days.
- New: animal purchases on current account. Choose Cash or Current Account when confirming at the dealer.
- Grain exchange is now valued 5% above market price.
- UI: named tabs, Pending, Payables, Receivables, Grain Exchange, and Statement, with a more compact layout.
- Multiplayer: clients now receive the daily notices, automatic debits, overdue, seizure, and late customers, as well as the full statement, including when joining later.
- The daily summary is per farm.
