Agricultural Financial System V1.3.1.0

Agricultural Financial System adds current accounts, credit, taxes and cash flow to Farming Simulator. Buy on account, get paid on terms, earn credit, pay taxes and settle staff wages at the end of the month.

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

Features

• Company details include the 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.
• The bank account is shown as a home banking card next to cash, committed funds and credit margin.
• Every row has a paper document: invoice, purchase order, cheque, promissory note, sale settlement or payslip, with its status stamp.
• Bank statements show 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.
• Buy on credit in the shop, at the animal dealer, in construction, at buying stations and at the map’s fuel stations.
• Choose Cash, 30, 60 or 90 days, with a 0, 2, 5 or 10 % surcharge shown before confirming.
• A 25 % down payment halves the surcharge for machinery and buildings.
• Pay early and get 3 % per month off.
• One credit 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 credit margin is not enough, the purchase is rejected.
• Above your margin, sign a promissory note for 180 days with a 30 % surcharge, up to twice your earned limit.
• Deferred cheques are available at 30, 60 and 90 days. Two bounced cheques suspend your chequebook.
• One overdue account drops your available credit to zero. The earned limit comes back when you settle.
• Arrears have 3 % monthly penalty interest and can be refinanced up to twice. An unpaid promissory note goes to seizure.
• 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. Taxes are off by default.
• Taxes include VAT, monthly VAT return and annual income tax with depreciation and losses.
• The Invoicing tab works like the tax authority’s portal, with the invoice on paper. Contracts are invoiced to the NPC who owns the field.
• Invoice another farm for a job. It accepts or rejects the invoice, and you get paid when it pays.
• Farm and Contractor are optional. Two bank accounts are available in one company: contracts go to the Contractor and sales to the Farm.
• Automatic cover, free transfers, and the option to choose which account pays each purchase.
• Wages are settled monthly with labour charges of Realistic 47.3 % or Low 15 %. A real payslip is provided.
• With unpaid payroll, staff will not take new jobs.
• Settle a debt with grain, valued 5 % above market, under a signed contract.
• Tax regime, starting credit, staff cost, commercial terms and Farm and Contractor are available in the game menu. In multiplayer only the admin changes them.
• Works with Supply & Transport Contracts, and other mods can add their own accounts.

Changelog

• V1.3.1.0
  Major update over the previously released 1.2.0.0. Everything listed below is new or changed.

  ONE CREDIT LINE
  · The four credit lines become one line for the whole company, starting at 100,000, 50,000 or 250,000 in the settings.
  · Your saved game adds up the credit you already earned with each supplier: nothing is lost.
  · Tax and payroll accounts do not use your credit margin.

  BANK AND DOCUMENTS
  · New look: the bank account as a home banking card, next to cash, committed funds and credit margin.
  · Every tab shows the paper document of the selected row: invoice, purchase order, cheque, promissory note, sale settlement or payslip, with its status stamp.
  · The Statement is now a bank statement with Debit, Credit and Balance.
  · Transfer to another farm, with the bank cost of your country shown before confirming.
  · The ATM belongs to the same bank, has its own icon and shows the last operation on screen.
  · Its own sounds for the ATM, credits, debits, arrears, bounced cheques and stamps.

  SETTINGS IN THE GAME MENU
  · Tax regime, starting credit, staff cost, Realistic or Low, commercial terms, Realistic or Balanced, and Farm and Contractor. In multiplayer only the admin changes them.

  TAXES, OPTIONAL AND OFF BY DEFAULT
  · Argentina, Brazil, Spain, Germany, France, Italy and the United States.
  · VAT on every sale and purchase, monthly VAT return, annual income tax with depreciation and losses.
  · New Invoicing tab: the tax authority’s portal with the book of invoices and the invoice on paper.
  · Contracts are invoiced to the NPC who owns the field.

  INVOICES BETWEEN FARMS
  · From the Invoicing tab, C button, you invoice another farm. It accepts or rejects it in Pending. Once accepted, you get paid when they pay.

  FARM AND CONTRACTOR, OPTIONAL
  · Two bank accounts in the same company: contracts go to the Contractor, sales to the Farm.
  · Automatic cover between them, free transfers, and you choose which account pays each purchase.
  · Helper wages on contract fields are charged to the Contractor.

  STAFF
  · Real labour charges: 47.3 %, Realistic, or 15 %, Low, instead of the fixed 35 %.
  · The Personnel tab shows a daily wage sheet and a real payslip. You can set the employee’s name in Company Details.

  SALES AND CONTRACTS
  · Animal sales now go to Accounts Receivable like any other sale.
  · Contracts that pay with their own code, Supply & Transport Contracts, dead wood, tree transport and rocks, now go to Accounts Receivable.
  · Fuel bought at the map’s fuel stations now goes on account.
  · Other mods can add their own instalments and fees to the current account.
  Compatible with save games from 1.2.0.0: no new game needed. Multiplayer and Dedicated Server supported.

• 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, $50,000, and Machinery, $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 AND LIVESTOCK ON ACCOUNT
  · 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.

  PAYING LATER COSTS MONEY
  · 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.

  PROMISSORY NOTE
  · If a shop purchase exceeds your available credit limit, a promissory note is offered before the purchase is made, with its terms clearly displayed. If you reject it, nothing is purchased.
  · 180 days with a 30% surcharge: the monthly cost is