I keep the books for farmers and ranchers who are done guessing. Agriculture-specific chart of accounts, Schedule F alignment, QuickBooks cleanup — not a VA doing data entry, but CPA-level accuracy from someone who's sat across the desk from your lender.
A QuickBooks chart of accounts built for a retail store has nothing to do with your operation. Generic categories don't separate feeder cattle from breeding stock. They don't account for grain inventory, crop insurance proceeds, or USDA program payments. They don't align with Schedule F — the tax form your CPA needs every February.
When your books don't match how agriculture actually works, you end up with three problems: your tax return is expensive to prepare because your CPA has to fix your categorizations, your lender can't make sense of your financial statements, and you have no idea if your operation is actually profitable.
Sound familiar? I've seen this exact situation with producers who call me:
I handle monthly bookkeeping built specifically for agricultural operations — not adapted from a generic template, but designed from the ground up for how farms and ranches work.
Your books use categories that match Schedule F and reflect how ag income and expenses actually flow — livestock sales, crop sales, feed, seed, chemicals, machinery, and more.
Every transaction is categorized so that tax prep is straightforward. Your CPA gets clean, organized books that drop directly into your Schedule F — not a mess they have to reconstruct.
Whether you're starting from scratch or cleaning up years of chaos, I set up or fix your QuickBooks file so it actually reflects your operation — not someone else's generic setup.
Every month, your accounts are reconciled against your bank statements. You get clean, current books so you're never behind going into tax season or a lender meeting.
When Farm Credit or your local ag lender asks for financials, I make sure you have what they actually need — organized, accurate, and professional.
This isn't data entry. I'm a licensed CPA with Farm Credit experience who understands the nuances of ag accounting — including how to handle inventory, depreciation, and complex transactions.
Before I started Lone Cowgirl Company, I worked as a Relationship Manager and Branch Manager at Northwest Farm Credit Services. I know how lenders analyze farm financials, what they're looking for, and what makes an application fall apart. That experience is baked into how I keep your books.
Redmond, OR · christina@lonecowgirlco.com
My agricultural background isn't a talking point — it's how I think about your books. I know the difference between backgrounding and finishing. I know what a good debt-to-asset ratio looks like for a cow-calf operation. I know how to explain your financials to a lender in a way that gives you the best chance of getting funded.
My ranch bookkeeping and farm bookkeeping services are built for producers across all types of agricultural operations — from beginning farmers just getting organized to established operations that need a clean start.
Beginning farmers: I offer pricing designed for operations just getting started. Getting your books set up correctly from the beginning saves significant money and stress down the road — especially when you're applying for beginning farmer loans or USDA programs. See Services page for details →
A 30-minute discovery call is where we start. I'll learn about your operation, explain how I work, and tell you exactly what it would take to get your books right.
If you're applying for operating loans, filing Schedule F, or trying to understand whether your operation is actually profitable — yes. Without clean books, you're flying blind. Lenders expect organized records, and tax prep gets expensive when your bookkeeper has to reconstruct a year's worth of transactions from a shoebox of receipts.
Pricing depends on operation size and transaction volume. I offer monthly bookkeeping packages designed specifically for agricultural operations, including beginning farmer pricing. See my Services page for current pricing — I keep it transparent, no surprise fees.
Yes. I work with QuickBooks Online and Desktop, and I clean up existing files regularly. Most farm QuickBooks files I see use a generic chart of accounts that doesn't align with Schedule F categories — I fix that as part of onboarding so your books are actually useful at tax time.
Bookkeeping is the ongoing recording and categorization of every transaction — income, expenses, loan payments, asset purchases. Tax preparation takes those clean books and files your return. Without good bookkeeping, your tax preparer spends half their time reconstructing records instead of planning, which costs you more and produces less accurate returns.
Yes. I grew up in agriculture, hold degrees in agriculture from CSU, have Farm Credit lending experience, and have worked with producers across row crop, cow-calf, and diversified ag operations. I know the difference between feeder cattle and breeding stock, understand grain inventory, and know how crop insurance proceeds should be categorized — because I've lived this industry.
That's exactly who I work with. Beginning farmers and established operations that've never had clean books both start the same place: a bookkeeping cleanup. I catch up your records, set up your chart of accounts correctly, and then move to ongoing monthly reconciliation. You don't need to have it together before you call me.
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