Small farm and CSA bookkeeping: feed, seed, lease and insurance against CSA, market and co-op deposits
A small farm is paid through a CSA platform, Square at the stand, market days and a wholesale co-op; the costs are feed, seed, a vet, loan interest, a pasture lease and farm insurance. The bank statement holds both.
Worked example: one October
The tool ships a synthetic statement for a small farm (fixtures/smallfarm-checking.csv): four deposits and ten outgoing lines. Every line gets a suggested account with no rules taught; check each one.
| October 2026 | Amount |
|---|---|
| CSA platform payout (Local Line) | $1,865.40 |
| Square deposit | $1,120.00 |
| Farmers market deposit | $640.25 |
| Wholesale co-op deposit | $2,300.00 |
| Money in | $5,925.65 |
| Feed and seed | −$699.15 |
| Large-animal vet (repairs and maintenance, an older rule) | −$175.00 |
| Tractor-loan interest | −$148.20 |
| Farm insurance | −$264.00 |
| Pasture lease | −$600.00 |
| CSA software | −$59.00 |
| Farm diesel | −$132.45 |
| State agriculture licence | −$75.00 |
| Costs | −$2,152.80 |
| Profit before draw | $3,772.85 |
The $900.00 Zelle to the owner is suggested as an owner draw (equity), not a cost. Seed and feed are cost of goods for some farms; the tool files them as supplies and does not split them. Livestock and equipment depreciation, the farm schedule (Schedule F) and sales tax on direct sales are separate questions: ask an accountant.
Questions
Are seed and feed supplies or cost of goods?
The tool suggests supplies and materials. Whether a farm tracks them as inventory or cost of goods, and whether it files on a cash or accrual basis, is your choice; ask an accountant.
Is a transfer to myself a cost?
No. A transfer to the owner is suggested as an owner draw (equity), so it does not reduce profit.
Open AI Bookkeeper and import your bank statement. Rules are written from company names; no real farm's statement has been tried.