Finance built around your harvest cycle. Not around a generic fiscal calendar.
Your harvest cycle drives P&L, commodity prices drive margin, and cooperative structures drive complexity, yet finance still plans in Excel, closes slowly, and reports by email. riicu redesigns how agriculture finance works across planning, consolidation, and subsidy compliance.
| Scenario | Soybean | Revenue | EBITDA |
|---|---|---|---|
| Bear | $9.50/bu | €84M | €6.2M |
| Base | $11.40/bu | €112M | €18.4M |
| Bull | $14.00/bu | €142M | €32.8M |
Connected to your ERP, farm management platform, and commodity price feeds. Yield and harvest progress pulled from operational systems on the close cycle.
Your farm management software tracks yields, inputs, and field operations. riicu handles everything the CFO needs on top of that – seasonal cash planning, multi-entity close across farms, cooperatives and trading arms, subsidy tracking, and group consolidation.
Not a farm ERP replacement. Not a generic finance tool that ignores seasonality, weather, or commodity exposure. A purpose-built financial intelligence layer for the Office of the CFO in agriculture.
What Agriculture Finance Actually Looks Like
Seasonal Revenue, Year-Round Costs
80% of revenue arrives in 3–4 months. Costs run all year. Planning is not monthly — it follows planting, growing, harvest, and trading cycles. Most finance tools have no concept of this. riicu structures the planning model around the agricultural cycle, not around monthly periods — so the budget and forecast follow the same logic the farm does.
Commodity Price Exposure
Soybean drops 15% between planting and harvest. Your entire margin evaporates. The CFO needs to model price scenarios against planted area, yield estimates, and forward contracts. riicu links commodity price curves directly to planted area and yield assumptions — when the price drops, the impact on EBITDA and cash flow appears immediately, with no spreadsheet reshuffling.
Complex Group Structures
Farms, cooperatives, trading companies, processing plants, land-holding vehicles. Different entities, different accounting standards, different subsidy regimes, different fiscal calendars. Consolidation is not just financial — it is structural.
Subsidies, Grants & Biological Assets
EU CAP payments, IAS 41 biological asset measurement, and rural development grants each have different recognition timing and eligibility conditions. A harvest not recognised as a biological asset on the right date changes the balance sheet and the reported margin. riicu integrates these rules into the close, not into a separate file.
Finance Redesigned for Agriculture
Model Every Scenario. From Seed Price to EBITDA.
Link planted area, expected yield, commodity price curves, and input costs into a driver-based model that recalculates the full P&L when any assumption changes. Build scenarios for price drops, yield losses, and input cost inflation. See the cash flow impact before the harvest arrives.
Forward contracts, hedging positions, and storage costs integrated into the same planning model. One view from field economics to group EBITDA.
See it in action| Line Item | Per Ha | Total (12,400 ha) | vs Bgt |
|---|---|---|---|
| Gross Revenue | €2,180 | €27.0M | +4.2% |
| Seed & planting | -€320 | -€3.97M | +8.4% |
| Fertiliser & chemicals | -€480 | -€5.95M | +12.1% |
| Labour & machinery | -€280 | -€3.47M | -2.1% |
| Crop Margin | €960 | €11.9M | +2.8% |
Consolidate Farms, Cooperatives, and Trading Arms. In One Close.
Agricultural groups are structurally complex. A farm produces. A cooperative aggregates and markets. A trading company manages forward sales. A processing unit adds value. A land-holding vehicle owns the assets. Each entity has different accounting, different tax, different subsidies.
riicu consolidates across all entity types with automated intercompany eliminations, currency translations, and multi-GAAP support. Cooperative member reconciliation, transfer pricing between farm and trading arm, subsidy allocation across entities - all in one close workflow.
See it in action- Fazenda AlterraProductiondone
- Cooperativa do ValeMembersdone
- Norden Grains TradingTrading armactive
- Valcor ProcessingProcessingactive
- Terra HoldingsLand · waiting ICpending
Track Every Subsidy. Meet Every Condition. Document Every Euro.
EU CAP payments, national agricultural subsidies, environmental incentives, rural development grants. Each with different eligibility criteria, recognition timing, and documentary requirements. Miss a condition and you repay the full amount.
riicu tracks subsidy status by entity and programme, monitors compliance conditions, flags expiring documentation, and prepares the audit evidence before the auditor asks for it.
See it in actionBuilt for the Financial Reality of Agriculture
Commodity Scenario Planning
Link soybean, corn, wheat, coffee, or any commodity price curve to revenue and cash flow with instant scenario switching. Hedging positions included.
Harvest Economics
Cost per hectare, yield per crop, margin by field and region. Driver-based planning that connects agronomy to the P&L.
Multi-Entity Consolidation
Farms, cooperatives, trading, processing, land-holding. Automated IC elimination and consolidation across entity types and accounting structures.
Subsidy & Grant Management
Track EU CAP, national subsidies, eco-schemes, and rural development grants. Eligibility monitoring, condition tracking, and audit documentation.
IAS 41 & Biological Assets
Cattle, growing crops, production forests — each measured at fair value at every reporting date. riicu calculates the gain or loss on transformation, posts the movement to the P&L, and generates the disclosure notes for the auditor — without manual intervention.
Seasonal Cash Flow Planning
Model cash needs by planting, growing, harvest, and trading season. Covenant monitoring against seasonal troughs. Working capital optimisation.
Designed Around Your Existing Farm and Finance Systems.
From SAP and Oracle for large agribusiness groups to Microsoft Dynamics 365, Cegid Primavera, Sage, PHC and QuickBooks for cooperatives and mid-size operators — riicu also connects to leading farm management platforms for operational data integration.
Ready to Redesign How Agriculture Finance Works?
See how riicu helps agricultural groups plan, close, and report with the precision their sector demands. Book a personalised demo.