Five connected mods from Midwest Modding Studio that bring the business side of a real Midwest farm into Farming Simulator 25. Every mod works on its own, and installing them together connects the bank, dealer, auction, insurance, and financial systems.
Features
- Midwest Ag Finance: the bank, seven lenders, loans, credit, and new-equipment dealers with ordering, demos, seasonal rentals, leases, and trade-ins.
- Midwest Machinery Exchange: a living used-equipment market in the style of Machinery Pete, TractorHouse, and Fastline.
- Midwest Equipment Auction: weekly online farm-equipment auctions with live bidding, proxy bids, and consignments.
- Midwest Ag Insurance: per-field crop insurance and equipment insurance, individually or under a blanket policy.
- Midwest Ag Financials: a year-end Schedule F style tax return and a lender-style balance sheet, prepared automatically.
- The bank finances what the dealer sells, repossessions go to the auction, books feed loan applications, and lenders require insurance on what they finance.
- Seasonal equipment rentals are billed by the hour. Tractors and implements both qualify, with hours read from the game’s own hour meter instead of a flat daily fee.
Also in the download: a Player Guide (PDF) with every feature and the full underwriting rules, and an Ecosystem diagram (PDF) showing how the mods connect.
Seasonal rentals, demos, and leases
Select Buy on a machine a dealer has in stock to access the available purchase options.
- Rent it for the season: a three-month rental billed at 0.03% of the machine’s price per operating hour, with the first 25 hours paid up front. A $100,000 disk ripper costs $30 an hour, so $750 gets you started. Run it as much as the season needs, then return it.
- Demo it: two days and 10 hours to try it out. If you buy it, the price is reduced by 5%. One demo per model every 12 months.
- Lease it: 36 months with a 55% residual and 400 hours a year included. A $200,000 tractor runs about $3,210 a month. At the end, buy it for the residual or hand it back. You can also buy it out early.
- Buy it, buy it with a trade-in, or finance it, which sends that exact build, options and all, into a loan application.
Machines on demo, rental, or lease cannot be sold, and missed lease payments result in the machine being picked up.
Seven lenders, each with its own rules
- Farm Credit Midwest and Ag 7 Credit: Farm Credit co-ops that pay a yearly patronage dividend of 15% of the interest you paid them.
- Mercer Credit Union: conservative and personal-focused, with home loans, personal lines, and cards.
- Bushels & Barrels National Bank: fast decisions and the loosest credit floor, but it prices risk harder and loses patience sooner.
- John Deere Financial, CNH Capital, and AGCO Finance: manufacturer financing for their own brands, with same-day decisions and promo rates, 0% up to 36 months on Deere, 0.90% on CNH, and 1.90% on AGCO, for borrowers with good credit.
Real underwriting
- Every application is underwritten on credit score, collateral, cash flow (DSCR), and leverage (LTV). Each lender has its own risk tiers, advance rates, down payments, and minimum scores.
- Separate personal and business credit scores, from 300 to 850, built from payment history, utilization, and account age.
- An approved-with-limit decision tells you exactly which limit you hit, the way a loan officer would.
- Rates move with a market index that shifts monthly, with the occasional shock. Fixed rates lock at closing, and eligible borrowers get offers to lower their rate when the market drops.
Loans and accounts
- Equipment, farmland, home mortgages, operating lines with use-of-funds audits, and credit cards with a real statement and grace period.
- Business and personal checking, savings, and CDs from 6 to 60 months.
- Liens in lien order, blanket liens on operating lines, sold-collateral rules, and an operator salary for full-time farms.
- Miss enough payments and you receive a written notice, followed by repossession. With the auction installed, the bank sends the machine to the next sale and the proceeds pay your loans in lien order. Any surplus is yours.
New-equipment dealers
- Three dealers with real brand lines, each with its own floor stock: Apple Equipment Service (Versailles, Ohio), Star Hardware (Findlay, Ohio), and AgServe (Atlanta, Indiana).
- The shop shows each machine as In Stock, Dealer Order, or Factory Order, with the delivery time and deposit.
- Order what is not on the lot: 10% down locks the price, and you pay the balance on delivery.
- Trade-ins: trade up to four machines on one deal. The dealer pays off any loan on them, and negative equity can be rolled into a bank loan up to each lender’s cap.
On the phone
With the LS Lifestyle (HS25) phone mod, you get a bank app for balances, transfers, recent activity, and quick loan payments. Loan applications stay at the bank.
Midwest Machinery Exchange: used equipment
- Browse used machines listed by the three dealers and by private sellers across western Ohio and eastern Indiana. Listings are real store items, base game and mods, with their own age, hours, wear, damage, and options.
- The season, your save’s crop prices, and what farms are buying and selling all push supply and prices. Listings sell to other buyers, drop in price, and come and go.
- Buy at the asking price, make an offer and counter, or request a quote on CALL FOR PRICE listings. Documentation and delivery fees are shown before you confirm.
- Sell your own machines: list one and wait for buyers’ offers, or take the dealer’s instant offer.
- Price history for everything sold, a watch list with saved searches and alerts, and an optional phone app.
Recommended Mods (not required)
- Advanced Damage System, works with the equipment insurance: AdvancedDamageSystem
- Hashy Lifestyle mod, gives the ability to use the auction, bank, and used machinery mods on the phone: LS LIFESTYLE
- Farmland Market mod, when installed, the loan wizard will only show available-for-purchase parcels: Farmland Market
