Template
Agribusiness Cash Flow Template
Agribusiness cash does not flow evenly — it pours in at harvest and drains during sowing, with long dry months in between. This template is built for Indian agri-traders, input dealers, and crop-buying businesses whose money moves with the season rather than the calendar. It maps input and procurement costs against delayed harvest receivables, so you can see the lean stretch before it arrives and arrange finance in advance. It tracks credit given to farmers and credit taken from suppliers across the cycle. Use it to survive the gap between spending on a crop and getting paid for it.
Free · Excel / Google Sheets compatible · no signup — see what’s inside below, then download.
What it does
The template plans cash around crop cycles instead of forcing a seasonal business into flat monthly columns. You lay out the season — say Kharif or Rabi — and record the heavy outflows up front: seed, fertiliser, and inputs sold or advanced to farmers, plus procurement payments when you buy the crop. Against these it plots the inflows that come later, when harvested produce is sold to mandis, processors, or exporters, often weeks after you have paid for it. The sheet carries balances month to month so the lean period between sowing spend and harvest realisation is visible well ahead of time, letting you size a crop loan or cash-credit limit before the squeeze. Separate blocks track credit extended to farmers and credit taken from input suppliers, the two levers that decide whether the cycle funds itself.
Who it’s for
- Agri-input dealers selling seed, fertiliser, and pesticide on seasonal credit.
- Crop-buying and trading businesses procuring produce for processors or mandis.
- Commission agents and aggregators financing farmers against the coming harvest.
- Agri-entrepreneurs and FPOs planning working capital across Kharif and Rabi cycles.
Fields included
How to use it
- Set up the season and its months, from input supply through to harvest sales.
- Enter input and procurement outflows in the months they actually occur.
- Plot expected harvest receivables in the later months when produce is sold.
- Record credit extended to farmers and credit taken from suppliers separately.
- Let the sheet carry balances forward and reveal the lean months between spend and realisation.
- Arrange a crop loan or cash-credit limit sized to the deepest projected shortfall.
- Update actuals as the season progresses and adjust the next cycle’s plan from what happened.
Preview
| Month | Inflows (₹) | Outflows (₹) | Closing (₹) |
|---|---|---|---|
| Jun-Jul (inputs) | 6,00,000 | 18,00,000 | −2,00,000 |
| Aug-Sep (lean) | 50,000 | 4,00,000 | −6,50,000 |
| Oct-Nov (procure) | 20,00,000 | 16,00,000 | −2,50,000 |
| Nov-Dec (harvest sales) | 28,00,000 | 6,00,000 | 19,50,000 |
| Season net | 54,50,000 | 44,00,000 | +10,50,000 |
Free Excel / Google Sheets template — no signup required.
Download Excel template (.xlsx)Example workflow
Kisan Agro Centre in a Maharashtra taluka runs the Kharif cycle for cotton and soybean. In June-July it buys ₹18,00,000 of seed and fertiliser, selling ₹12,00,000 of it to farmers on credit against the harvest and taking ₹8,00,000 of credit from input companies. Procurement of produce in October-November will cost ₹15,00,000, while harvest sales to a processor — about ₹40,00,000 — land mostly in November-December, 30-45 days after procurement. The template shows the deep lean months are August-September, with the balance dipping to roughly minus ₹6,50,000 before harvest cash arrives. Seeing this in June, the owner arranges a ₹10,00,000 cash-credit limit to bridge the gap, draws on it only through the lean stretch, and repays it from harvest collections — turning a predictable seasonal crunch into a planned, low-stress drawdown.
Frequently Asked Questions
Ready to put this to work?
Download Excel template (.xlsx)