Agricultural Financial System V1.0.2 fs25-mods

Description:

Agricultural Financial System: real current accounts, credit, and cash flow Buy a tractor and the money vanishes from your pocket instantly? No farm works that way. This mod introduces how a real agricultural business manages money: you buy on account, get paid on terms, and must earn your credit. YOUR COMPANY, YOUR DETAILS You're not "Farm 1": enter your real company details and they stay on screen. Company or estate name, tax ID, bank or lender, and town. They appear in the header of the finance panel, like the letterhead on a real invoice. Every supplier and customer carries the name you give it: assign accounts to your grain merchant, farm store, or dealership. The system remembers each one, maintaining its own history and credit limit. Customers detected on the map can also be given custom names. Saved with your game and synchronized in multiplayer. CURRENT ACCOUNTS WITH SUPPLIERS A "Charge to Current Account" button on the shop’s purchase screen, next to "Buy". Buy now, pay later: the money doesn’t transfer until the due date. Works with tractors, implements, seeds, fertilizer, pallets, and placeables. Standard 30-day trade terms, up to 60 days depending on the supplier. Early payment discount of 3% per month: pay sooner, pay less. TWO CREDIT LINES YOU HAVE TO EARN Separate types: Supplies ($50,000 starting limit) and Machinery ($100,000 starting limit). Each purchase is classified based on the item’s real shop data: fertilizer spreaders draw on Machinery, seeds on Supplies. Compatible with items from other mods too. Your limit increases by 15% each time you pay on time, up to 8 times the initial amount. Late payments do not increase it. If the margin for the type isn’t enough, the purchase is rejected. You’ll be notified if you exceed your limit. PROMISSORY NOTES AGAINST THE HARVEST When your current account isn’t sufficient, you can formalize the deal with a promissory note. Long-term, up to 270 days: meant to be paid off with the harvest. Not a blank check: the maximum is twice your earned limit, minus any outstanding notes. ARREARS AND SEIZURE An overdue account reduces your available credit to $0 across all types and promissory notes. Your earned limit is never lost; it’s fully restored once you settle your debts. Penalty interest of 3% per month applies to overdue balances. Refinancing is available at a surcharge of 15–25%, up to twice per debt. Unpaid promissory notes go into enforcement, and until you’re back in the black, no further credit is extended. RECEIVABLES Sales don’t pay out instantly; they settle on terms depending on the product, just like in real life. Direct debit: if you have funds in the bank, debts are paid automatically when due. Sales to your own outlets are spread across daily installments. THE CUSTOMER WHO PAYS LATE Customers can sometimes delay payment, with valid reasons such as low sales, internal issues, supply disruptions, or cash shortages. A receivable can be pushed back 7 to 21 days beyond the original date. You’ll receive an on-screen notification with the customer’s name and the delay period. This can happen only once per account and doesn’t occur just because you have more outstanding sales. It’s a reminder to not take uncollected money for granted. 3D ATM A placeable ATM: buy, place, and use it. Handle deposits, withdrawals, and balance inquiries, keeping Cash and Bank accounts separate. GRAIN EXCHANGE Barter contracts: commit future grain in exchange for supplies today. Includes a cancellation penalty, similar to real contracts. FEATURES Cash-flow panel with five figures in different colors: Cash, Bank, Committed Funds, Supplies Margin, and Machinery Margin. A quick glance shows how much money is truly available. Event log records every transaction. Serially numbered vouchers separate current accounts and promissory notes. Payment terms adapt to your in-game month length. Compatible with multiplayer and dedicated servers. Available in Spanish, English, German, French, and Italian. Made with a passion for realistic farming simulation. V1.0.2.0 New: post-dated cheques (30/60/90 days) to settle open current account entries (“Issue Cheque” button). Bounced cheques add a 5% surcharge, become overdue, and reduce the supplier limit; a second bounce suspends cheque issuance for 90 days. New: animal purchases on current account can be paid with Cash or Current Account at the dealer. Grain exchange is now valued 5% above market price. UI improvements: named tabs (Pending, Payables, Receivables, Grain Exchange, Statement) and a more compact layout. Multiplayer: clients now receive daily notices (automatic debits, overdue, seizure, late customers) and full statements, including when joining later. The daily summary is per farm.