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AF Consulting

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Horsham, VIC
AF Consulting

You farm the paddocks. I farm the numbers. Bringing business thinking to family farms. Understanding what’s happening, why it’s happening and what to do next.

Farming well and running a strong farm business are not quite the same thing. Many of the farmers I enjoy working with are good operators. They know their country, their crops and livestock, and they have ambitions for where they want the farm to go. What they often want is a better understanding of the business behind it — where the profit is being made, where the cash is going, how much debt the business can comfortably carry, and what the numbers are telling them about the choices ahead. That’s where I come in. I work with farming families to make sense of their financial and business information and turn it into something useful. We look beyond the accounts to understand what’s happening, why it’s happening and what could be done differently. That might mean understanding why a good season hasn’t reduced debt. Testing whether another block of land really stacks up. Working out whether a machinery purchase makes financial sense. Looking at which parts of the farm are making money — and which aren't. Or simply getting a clearer picture of where the business is heading before making the next big decision. Sometimes that means a once-off piece of analysis. For others, I stay involved through the year, measuring results, updating the outlook and helping work through decisions as circumstances change.

28/08/2026

A strong cash position gives a farm room to wait, adjust and make decisions without being forced into the quickest option.

Prices change. Seasons turn. Costs rise. Income arrives later than expected.

When cash is tight, decisions become urgent. Grain may need to be sold earlier, livestock turned off sooner or an opportunity passed over because the business cannot afford to wait.

A stronger cash position does not remove uncertainty. It gives the farm more time and more control over how it responds.
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That is why we help farming families understand how today’s decisions may affect tomorrow’s cash position—giving them more options when circumstances change.
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AF Consulting helps family farms understand the business of farming and make better decisions to build a stronger future.

When the time is right to take a closer look at your farm business, contact Robert Barnes at AF Consulting.

21/08/2026

Family owned farms are more than land, machinery and livestock.
They carry family history, years of hard work, a way of life and the hope that the next generation will have the same opportunity.

That is why farm business decisions are rarely just about money. They are about protecting what has been built, supporting the family today and making sure the business can keep going tomorrow.
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AF Consulting helps family farms understand the business of farming and make better decisions to build a stronger future.

When the time is right to take a closer look at your farm business, contact Robert Barnes at AF Consulting.

14/08/2026

No plan can control the season, commodity prices or unexpected breakdowns.

But you can understand your costs, cash position and financial capacity before making the next decision.

Good information will not remove uncertainty from farming. It gives you a better chance of responding to it while you still have choices.

07/08/2026

More land, more livestock and more machinery can create opportunity.

They can also create more debt, more pressure and less room for error.

Good growth should leave the farm better able to make money, meet its commitments and handle the next difficult season.

Being bigger is easy to measure. Being stronger takes more thought.

30/07/2026

A farm can look profitable on paper while the overdraft continues to move backwards.

The bank balance is often the first sign that something has changed. The important question is not simply where it stands, but why.

Understanding what is driving the movement gives you time to act before a cash concern becomes a bigger business problem.

24/07/2026

Every day on the farm, decisions are made about buying, selling, borrowing and investing.

Some are small.

Some shape the business for years.

The difference isn't experience or instinct alone. It's having the right information at the right time.

When you understand what's really happening in the business, decisions become clearer and confidence follows.

20/07/2026

The numbers do not need to be complicated. They just need to help you make better decisions.

Sometimes the farm can be busy, the season can look reasonable, and the income can still disappear faster than expected. This blog looks at how farm financials can tell a more useful story — not just what happened last year, but what the numbers might be quietly saying about profit, cash flow and the decisions ahead.

https://www.agfin.biz/post/farm-financial-management-control-your-numbers

17/06/2026

A farm can be asset rich and succession poor.

Most succession discussions focus on ownership.

The real question is whether the farm business can support the future you're planning.

Because a successful succession plan isn't one that transfers the farm.

It's one that leaves both generations financially secure while giving the next generation a business worth inheriting.

👇 Read the full article
https://www.agfin.biz/post/farm-succession-planning-profitability-before-ownership

08/05/2026

Before your next loan or refinance, it’s worth understanding who’s actually on your side — and what it could be costing you. https://tinyurl.com/59un27ud

Address

Horsham, VIC
3400

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 1pm

Website

http://www.agfin.biz/

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