Beyond investments, working capital is becoming critical in agriculture. According to INS and European data, the agricultural cycle involves time gaps between expenses and revenues, especially in the crop sector. Inputs are purchased months before production is marketed.

In the 2024–2025 context, rising costs for inputs and services have intensified pressure on liquidity. Even profitable farms may face temporary cash-flow difficulties in the absence of adequate financing lines.

Banks are increasingly analyzing revenue structures and debt levels more carefully. National Bank data indicate a more prudent approach to lending in sectors with high volatility. For farmers, this means more rigorous financial documentation and business plans based on real data.

For 2026, liquidity management becomes as important as accounting profit. From a financial perspective, farms that monitor their cash flows and diversify their sources of financing have a greater capacity to adapt to economic shocks.

(Photo: Freepik)