Figured Farm Financial Management Platform

Figured is a farm financial management software company headquartered in Auckland, New Zealand, founded by farmers and accountants Carl McDonald and David Marshall and backed by NZ farm investment company MyFarm. It serves more than 35,000 farm businesses and over 1,500 accounting and advisory firms in New Zealand, Australia, the UK and the US.

The platform connects accounting data from Xero, QuickBooks Online or MYOB with production data, so farmers, accountants, consultants and agricultural lenders can build budgets, forecast cashflow, track budget against actuals and model scenarios. Products include Farm Reporter, Farm Manager, Financial Manager and Commercial Manager, plus Figured AI for report commentary. Banks get free read-only access to clients' actuals, budgets and production data.

• Budgeting and forecasting: scenario modelling with live actuals from accounting software.
• Lender access: banks join as connected organisations with read-only access and no subscription.
• Standard reports: P&L, balance sheet, cashflow, budget variance and statements of position.
• Consolidation: Multi-Entity and Multi-Farm views across trusts, partnerships and farm files.
• Production tracking: livestock stock positions, crop-level cashflow and mixed-farm splits.
• Figured AI: AI-written commentary for financial reports.

• Agricultural banks monitoring large dairy, livestock and crop borrowers with live budget-versus-actual data.
• Accounting and advisory firms serving farm clients with standard budgets and reports.
• Agribusiness groups consolidating finances across several farms and legal entities.

• Gives lenders real-time actuals against budget all year instead of relying on year-end accounts.
• Cuts forecasting time; one user reports a forecast that took a week now takes under an hour.
• Tracks about 30 billion USD in agricultural debt, giving banks visibility of borrower cashflow risks early.
• Links livestock and crop production data to financials for enterprise-level profitability.

Agricultural lenders and advisers are moving from annual accounts to continuous cashflow monitoring as interest rates, input costs and climate volatility squeeze farm margins. In Vietnam, large farms, cooperatives and agricultural banks increasingly need standardised farm financial data to support lending and investment decisions.

Headquartered in Auckland, New Zealand, with a UK entity Figured Software UK Limited. Backed by MyFarm. Awards include Xero Emerging Add-on Partner of the Year 2014, NZ Hi-Tech Start Up Company of the Year 2016 and Xero Asia-Pacific Industry-Specific App Partner of the Year 2016. Integrates with AgriWebb, Agworld and FarmIQ.