Balance sheet
Willow Creek Ranch · 3 ranches · as of Jun 30, 2026 · sample data
Assets
$440,000
Cattle $410,000 + cash $22,000 · vs Previous 12 months: ▲ 6.8 %
Liabilities (debt)
$81,000
2 outstanding debts
Equity
$359,000
vs Previous 12 months: ▲ 8.5 %
Collateral
Available credit at 60% LTV
$171,000.00
- Herd value
- $410,000.00
- Gross credit line (60%)
- $246,000.00
- − Outstanding debt
- −$75,000.00
- Coverage (cattle/debt)
- 5.5×
Herd value over time (12 months)
Valued livestock inventory
| Type | Category | Head | Avg wt | Total wt | $ / cwt | Total value |
|---|---|---|---|---|---|---|
| Breeding cows | Mature female | 180 | 948 lb | 170,638 lb | $79.38 | $135,450 |
| Heifers | Stocker female | 110 | 705 lb | 77,603 lb | $81.65 | $63,360 |
| Finishing steers | Finishing male | 90 | 838 lb | 75,398 lb | $91.17 | $68,742 |
| Bulls | Breeding male | 20 | 1,318 lb | 26,367 lb | $104.33 | $27,508 |
| Calves | Calf | 100 | 364 lb | 36,376 lb | $107.95 | $39,270 |
| Registered breeding females | Registered female | 20 | 1,036 lb | 20,723 lb | $365.14 | $75,670 |
| Total | 520 | 407,106 lb | $410,000 | |||
Liabilities (outstanding debt)
| Lender | Type | Rate | Due | Balance |
|---|---|---|---|---|
| HATO | cattle-collateral loan | 18.5% | 2027-03-31 | $75,000 |
| Input suppliers | accounts payable | — | 2026-09-30 | $6,000 |
| Total liabilities | $81,000 | |||
Cash flow for the period
Sales
$125,000
Purchases
− $38,000
Expenses
− $46,000
Net
$41,000
The balance sheet holds Assets = Liabilities + Equity. The collateral lens applies the LTV to the herd value, the typical collateral behind cattle-backed credit, and the available capacity nets out current debt. Cash is an estimate, not the actual bank balance. Sample data.
Your ranch's balance sheet, herd value included.
With your collateral capacity already computed: the groundwork for talking to a bank.
See Neoganadero from the inside
Leave your details and see how a ranch runs over WhatsApp, with every module open and sample data. No commitment.