From farm to finance. Track every harvest.

Input costs now, revenue at harvest

Seed, fertiliser, agrochemicals, labour, irrigation and fuel are all spent across a season that produces income once, at the end. A monthly profit figure is meaningless; the unit that matters is the season, and the question is whether this season's inputs are on track against what the harvest can realistically return.

That also makes borrowing structurally normal in agriculture rather than a sign of trouble — and it makes an accurate record of what has been spent so far the difference between a lender saying yes and no.

Track by plot, crop or cycle

Aggregate farm accounts hide the thing you most need to know: which crop, which plot or which cycle actually paid. A farm running three enterprises usually has one subsidising the others, and it is rarely the one the operator would guess.

• Record inputs against the plot or cycle they were used on, not just against the month.
• Record labour the same way — it is often the largest single input and the least well captured.
• Record losses to pest, disease or spoilage explicitly, so the yield gap has a stated cause.

Tax treatment is unusually favourable

Agriculture attracts specific reliefs and incentives under Nigerian tax law, and basic unprocessed food items are zero-rated for VAT — you charge 0% while remaining able to reclaim input VAT on your costs if you are registered.

Processing changes that. Raw produce and processed goods can fall under different treatments, so a farm that also mills, packages or preserves is operating across more than one and should get the specifics confirmed rather than applying one rule to everything.