Realistic Farm Finance

Realistic Farm Finance is a comprehensive agricultural finance and farm business management mod that fundamentally expands the economic system in Farming Simulator. Instead of limiting farm expansion solely by the amount of cash in your account, this mod introduces the financial systems behind a real farming operation: agricultural loans, mortgages, machinery finance, overdrafts, multiple lenders, brokers, arrears, taxation, administration and livestock insurance.

The goal is to make financial decisions truly meaningful. Taking on another farm, replacing a tractor, expanding livestock numbers or surviving a difficult year can now create commitments that follow your farm for years to come. Good financial management opens opportunities – poor decisions lead to arrears, damaged lender relationships, repossession and lingering liabilities.

Recommended playstyle is 3–5 day months (5 days optimal). The mod integrates perfectly with Advanced Damage System, Traffic Courtesy and the Mobile Phone mod.

Highlights:

• Full loan and mortgage system with realistic lenders and credit checks
• Machinery and hire purchase financing for new and used vehicles
• Complete tenancy system with negotiations, contract terms and notice periods
• Vehicle insurance, driving licence tests and compliance checks for public roads
• Crop advances, savings and investment opportunities
• Background economy simulator influencing interest rates and lender appetite