USDA forecasts record US farm debt of $605.1 billion in 2026 as costs climb and income falls. Here's why borrowing to grow more of the same deepens the hole, and how farms are adding agritourism cash flow with a plan their bank takes seriously.

Your farm can produce real revenue and still leave almost nothing at year-end. Here is how to find the margin leaks, cash-flow drains, machinery costs, household withdrawals and weak enterprises keeping a farm from being profitable.

A free, fill-in agritourism business plan template (Word and PDF), plus a section-by-section guide built on USDA, Farm Credit and university research: what lenders, county planners and insurers look for, the 12-month cash flow, break-even math and the loan test.