Business and Cashflow Management Enquire Now Sound financial planning has always been at the heart of a well-run farm. With increased pressure on margins and uncertainty across agriculture, having a clear view of your costs, returns, and cash position is more important than ever. A budget and cashflow forecast gives you the tools to manage your business with greater confidence. It helps you plan ahead, spot issues early, and make informed decisions. Simply producing a budget encourages you to think about the future direction of your business and what your targets should be. It also gives reassurance to lenders and other stakeholders that the business is being managed responsibly. We support clients with: Gross margin and overhead reviews to identify areas for improvement Profit forecasts to support long-term planning Balance sheet reviews to assess business strength Cashflow budgeting to ensure you stay on top of commitments Sensitivity analysis to test how your business might cope with change Partial budgets to evaluate specific decisions before committing These tools are not about chasing short-term gains. They are about helping you keep control, stay resilient, and build a business that can withstand change while remaining true to your values. Our budgeting and cashflow services have supported thousands of UK farm businesses to plan with confidence, improve profitability, and build financial resilience. To find out how we could help your business, please get in touch with our team. Testimonials "Edward Calcott has been involved with our business for the last 5 years. We have an annual meeting and produce a forward budget for the coming year. This aids us with our cashflow planning and allows to analyse and discuss all areas of the business, allowing us to make informed strategic decisions on the way forwards. We then periodically monitor this budget to talk about what went well, and what did not go well, and more importantly, discuss why. Aside from this, Edward is available for us to talk to through the year for advice and a second opinion on our decision-making processes and provides help and support when it is required."Tom and Danielle, Newtown Key Contacts Joe Scarratt Partner & Head of Farm Business Consultancy Business and Cashflow Management Partner & Head of Farm Business Consultancy Joe Scarratt is a Partner and Farm Business Consultant at The Andersons Centre. He specialises in assisting arable and mixed businesses, as well as some estates, with long term strategic business planning. Joe undertakes one-off business reviews as well as ongoing consultancy support to long term clients, focused on maximising profitability. He spends a considerable proportion of his time establishing and managing joint ventures and contract farming agreements. Qualifications & Experience 2018 to date - Head of Farm Consultancy at The Andersons Centre 2018 to date - Partner of The Andersons Centre 2009 - 2018 – Business Consultant at The Andersons Centre Delivers business advice to a wide range of farming businesses, focusing on the arable and dairy sectors Oversees the operation of a number of Contract Farming Agreements across all sectors Approved deliverer under DEFRA’s Farming Advice Service delivering group advice to farmers and agricultural professionals Approved deliverer under the Welsh Assembly’s Farming Connect Scheme, delivering advice to farmers across Wales Undertakes commissioned research projects 2005 - 2009 – Harper Adams University College. First Class BSc Hons Business Management with Marketing. The course focused upon the agri-food industry 2000 to Present – Working in and developing the family farming business. The farm is predominantly arable with a small beef enterprise Areas of Expertise Farming Joint Ventures and Contract Farming Farm Business Management Technical Farm Business Advice Farm Strategy and Succession Planning Farm Investment Appraisals and Loan Applications Farm and Rural Grant Applications Farm Business Tenancies Farm Business Administration Farming Connect (FC) accredited Oliver Hall Partner & Senior Farm Business Consultant Business and Cashflow Management Partner & Senior Farm Business Consultant Oliver is a Partner and Senior Farm Business Consultant within the Andersons Consultancy Team. He plays an active role in his own family livestock enterprise and also invests in several dairy businesses across the UK, giving him first-hand insight into the commercial realities faced by farmers. Oliver’s specialist skills include developing farming joint ventures such as contract and share-farming arrangements, as well as providing farm business management advice, budgeting support, and long-term strategic and succession planning. He undertakes detailed investment appraisals and loan applications, alongside coaching businesses in high-utilisation grassland systems. His dairy expertise covers infrastructure design, technical KPI development, and quantifying the financial benefits of performance improvements, as well as overseeing transitional and turnaround management. He also facilitates farmer-led dairy discussion groups. Outside of work, Oliver enjoys weekend farming. He also values time with his family and takes every opportunity to play sport and keep active. Qualifications & Experience 2021 - Partner, The Andersons Centre 2017- Senior Farm business consultant, The Andersons Centre 2014 –ILM- Lean Management In Dairy Farming 2010 - Co founder of Evolution Farming – Multi Site Pasture based dairy business 2009-2010 – Farm business consultant, The Andersons Centre 2008- Family farming partnership, West Yorkshire 2005-2008 – The Royal Agricultural College – Bsc (Hons) Agriculture Areas of Expertise Farming Joint Ventures, Contract Farming and Share Farming Farm Business Management and budgeting Farm Strategy and Succession Planning Farm Investment Appraisals and Loan Applications Grassland management Practical knowledge of farm management Anna Bowen Farm Business Consultant Business and Cashflow Management Farm Business Consultant Anna is a Senior Farm Business Consultant at The Andersons Centre, specialising in dairy consultancy and nutrient management planning. Her work encompasses financial, strategic, and technical advice for dairy farmers; succession planning and people management, benchmarking; facilitating a number of dairy discussion groups across England and Wales, and working alongside the research team on dairy projects. Anna is FACTS qualified. Prior to Andersons Anna spent ten years working for a dairy consultancy in West Wales and read BSc (Hons) International Equine and Agricultural Management and MSc Sustainable Agriculture and Food Security at the Royal Agricultural College. Anna manages a spring block calving dairy farm through a contract farming agreement and grew up on a dairy farm in West Wales. She sits on the AHDB Dairy Sector Council as a farmer representative and from 2023 to 2025 was a Trustee of the Nuffield Farming Scholarships Trust. Qualifications & Experience February 2022 to Present Day – Farm Business Consultant at The Andersons Centre Previously worked as a farm business consultant in West Wales Contract farms a 300- cow spring block calving herd in Ceredigion FACTS qualified RoMS accredited mobility scorer Approved Mastitis Control Plan and QuarterPro deliverer 2021 Nuffield Scholar- “Can the UK improve the ethics of its dairy calf management whilst retaining profitability?” 2019 Entrepreneurs in Dairying course 2017 Richard John Memorial Trust Scholarship, studied the sustainability of the Australian dairy industry 2016 MSc Sustainable Agriculture and Food Security (Royal Agricultural College) 2014 BSc (Hons) International Equine and Agricultural Management (Royal Agricultural College) Fluent Welsh speaker Areas of Expertise Farm business consultancy and budgeting Business reviews and strategic planning Practical experience of farm management Dairy farming, particularly spring block calving Nutrient management planning (Farming Connect approved) Herd health Publications Bowen A. (2023) Cow Calf Contact: Dairy’s Ethical Future Interim Nuffield report investigating the prevalence of calf euthanasia on UK dairy farms Kerry Jerman Farm Business Consultant Business and Cashflow Management Farm Business Consultant Kerry has over 13 years of experience as a Farm Business Consultant for The Andersons Centre, with particular expertise in the beef and sheep sector, and Welsh Farming Policy. She specialises in strategic, financial and technical advice within her consultancy work with a wide variation of clients including small family farms as well as livestock enterprises on larger estates. This work is a mix of one-off jobs aswell as ongoing management work. She facilitates a number of Farming Connect funded discussion groups and has also done a wide range of work with benchmarking, particularly within the Welsh Beef and Sheep Industry. Outside of farm consultancy, she runs a small upland flock of 200 ewes and is also heavily involved in her family farm, comprising of 1,300 breeding ewes and 70 suckler cows. Qualifications & Experience December 2014 – BIAC Rural and Agricultural Consultants Foundation Course August 2013 to Present Day – Farm Business Consultant at The Andersons Centre April 2013 – July 2013 - Lambing assistant and sheep worker for a local sheep and beef farmer July 2012 – April 2013 - Assistant Dairy Herdsman on 450 cow herd near Hamilton, New Zealand 2009 - 2012 – Aberystwyth University. 2:1 BSc Hons Agriculture with Business Studies. The course focused on the UK agricultural industry with business principles built in 2006 to Present– Working in the family farming business. The farm is predominantly sheep along with a small suckler herd which sells offspring as forward stores Areas of Expertise Farm Consultancy Farming Connect (FC) accredited Edward Calcott Farm Business Consultant Business and Cashflow Management Farm Business Consultant Edward is a Farm Business Consultant at The Andersons Centre. He works with most farm sectors, specialising in poultry, mixed farming, and on-farm diversifications. He works with numerous clients across England Wales, under Farming Connect. He provides services such as budgeting & cashflow monitoring; borrowing proposals for new investments or debt restructuring; supporting agricultural reports for planning applications; investment appraisals; the setting up and management of contract farming agreements; grant applications; and business reviews. Edward comes from a mixed family farming business in Staffordshire which incorporates poultry, grazing livestock, arable and diversifications. He holds a BSc degree in Agriculture with Farm Business Management from Harper Adams University. Qualifications & Experience Joined The Andersons Centre in January 2019 BSc (Hons) Agriculture with Farm Business Management (2:1) Harper Adams University (2016 Graduate) Part of the winning team for the Institute of Agricultural Management Farm Planner competition whilst at Harper Adams. Placement year was spent with a large UK integrated poultry company. Time was spent on various breeder farms; the hatchery; and commercial farms for broiler chickens and turkeys. Part of the 2017-18 NFU Poultry Industry Program (PIP). A continued involvement with the mixed farming family business in Staffordshire. The farm enterprises include combinable crops, sucker cows, sheep and some agricultural contracting. Areas of Expertise Experience in most aspects of lowland agriculture including arable, beef, sheep, dairy and potatoes. On-farm diversifications including direct sales; marketing and holiday lets. Practical experience within the UK poultry sector, including layers, broilers, turkeys. Business consultancy advice, budgeting and financial planning for agricultural, food and rural businesses. Accounts analysis; investment appraisals; business reviews; strategic planning and enterprise costings. Contract farming and joint ventures. Practical knowledge of farm management. BPS, grant applications and farm assurance. Farming Connect (FC) accredited. Amelia Rome Farm Business Consultant Business and Cashflow Management Farm Business Consultant Amelia is a Farm Business Consultant at The Andersons Centre. She works with numerous clients across England, specialising in the arable sector. She provides services such as budgeting and cash flow monitoring, investment appraisals, borrowing proposals, contract farming agreements, grant applications, environmental scheme applications, and whole business reviews. Amelia comes from an arable family farming business in Cambridgeshire and holds a BSc (Hons) degree in Agriculture with Farm Business Management from Harper Adams University. Qualifications & Experience Joined The Andersons Centre in November 2020 BSc (Hons) Agriculture with Farm Business Management (2:1) Harper Adams University (2019 Graduate) Placement year was spent with Andersons Northern in Edinburgh Delegate at the Royal Agricultural Society of the Commonwealth 27th Agricultural Conference A continued involvement with the family farm business in Cambridgeshire. The farm enterprises include combinable crops, sheep and beef Areas of Expertise Experience in most aspects of lowland agriculture, but specialising in arable systems Practical knowledge of farm management Farming Joint Ventures and Contract Farming Technical Farm Business Advice Farm Strategy and Succession Planning Farm and Rural Grant Applications Business consultancy advice, budgeting and financial planning for agricultural businesses Accounts analysis; investment appraisals; business reviews; strategic planning and enterprise costings
