Kiwi Farming
Financial Model

Understanding Your Cost of Goods Sold (COGS)

Your direct costs of selling are straightforward and tied directly to revenue. In the first year (2026), packaging materials are 6.0% of revenue and primary logistics are 4.0%, for a total COGS of 10.0%. As you scale, you gain efficiency, and by 2032 these costs drop to a combined 7.0% (4.5% for packaging, 2.5% for logistics). This improving margin is a key driver of your growing profitability in the specialty crop economics of kiwifruit farming.

Breaking Down Your Fixed Costs

Your fixed overhead is predictable, which helps stabilize your financial projections. Summing up your monthly fixed costs-including $10,000 for management salaries, $1,500 for insurance, and $3,000 for cold storage-gives you a consistent monthly overhead of $19,200. This stable cost base of $230,400 per year is the hurdle your gross profit must clear before the farm turns a profit. Knowing this number is essential for accurate kiwifruit farming profitability analysis.

Forecasting Your Payroll Expenses

Your staffing plan scales logically with your farm's growth. You start in 2026 with a core team: one Farm Manager ($90,000), two Permanent Orchard Workers ($70,000 total), and a part-time Admin Assistant ($22,500), for an initial annual payroll of $182,500. By 2028, as you expand, you've added an Operations Supervisor and brought the admin to full-time, growing your team to support the increased operational load. This phased approach to hiring helps manage cash flow in the early years.

Your Upfront Capital Investment (CapEx)

You're looking at a significant upfront investment, which is typical for an orchard investment analysis. The total initial capital expenditure (CapEx) required in 2026 is $1,020,000. This covers everything from the initial land purchase ($240,000) and cold storage facility ($250,000) to farm machinery ($180,000) and orchard establishment ($150,000). This initial outlay is the primary driver of your early negative cash flow and the key figure to present when seeking funding.

Projected Financial Performance Highlights

Your farm's financial trajectory shows a classic agricultural investment pattern: high initial costs followed by strong, sustained growth. You'll see a net loss in the first year, with an EBITDA of -$333,000. However, the business turns EBITDA-positive in Year 2 with $10,000 and scales impressively from there, reaching nearly $2.0M in Year 4 and over $7.4M by Year 10. This demonstrates a clear path to significant profitability once the orchards mature and operations scale up.

Pinpointing Breakeven and Payback

You'll need patience, but the returns are projected to be solid. The model shows you reach breakeven-the point where you start generating positive monthly profit-in April 2027, just 16 months after starting. However, recouping your entire initial investment takes longer. The full payback period is 54 months (4.5 years). This is a defintely critical distinction for investors: profitability arrives quickly, but returning all capital is a mid-term goal. Finance: prepare a summary slide showing the timeline from breakeven to payback.

Managing Your Cash Flow and Funding Needs

Cash is king, and your peak funding requirement is the most important number in your kiwifruit farm cash flow forecast template. Your cash balance is projected to hit its lowest point in March 2028, at a negative $1,163,000. This figure represents the total capital you'll need to raise to cover all initial investments and operational losses until the farm becomes self-sustaining. Knowing this peak burn number allows you to secure the right amount of funding upfront and avoid running out of cash mid-growth.

This kiwi farming financial model is 100% unlocked, giving you complete control to tailor every assumption to your specific kiwifruit farm business plan. You can easily adjust land allocation, yield projections, and pricing to reflect your operational reality. This flexibility is essential for creating an accurate fruit farm financial analysis without building from scratch.

Customize land purchase and lease costs

Adjust yield per hectare for each kiwi variety

Modify pricing and yield loss assumptions

Input your farm's unique harvest schedule

Secure investor confidence with a detailed 10-year forecast that maps out your farm's growth trajectory. This agricultural financial template projects everything from revenue and expenses to cash flow, helping you make informed strategic decisions. A long-term view is critical for agribusiness financial planning and demonstrating scalability.

Visualize profitability over a decade

Forecast key financial statements

Plan for long-term capital needs

Assess the impact of scaling operations

Get a clear picture of your funding requirements by detailing all initial investments and ongoing expenses. Our downloadable kiwi farm financial plan spreadsheet breaks down capital expenditures like land and machinery, plus operational costs such as labor and materials. This detailed view prevents unexpected cash shortages during your launch phase.

Estimate initial orchard establishment costs

Outline capital expenditures for machinery

Project monthly fixed and variable expenses

Use the Excel template for kiwi farm startup costs

This model automatically generates the three core financial statements: the Income Statement, Cash Flow Statement, and Balance Sheet. These interconnected reports provide a complete and professional view of your farm's financial health. This is exactly what lenders and investors need to see in a kiwifruit farm business plan.

Automated Profit and Loss (P&L) statement

Monthly and annual cash flow projections

Dynamic balance sheet summary

Ensure data consistency across all reports

Whether you prefer Microsoft Excel or Google Sheets, this template is built for seamless compatibility. You can work on your kiwifruit farm cash flow forecast template on any device, share it with your team or advisors, and collaborate in real-time. This flexibility ensures your agribusiness financial planning is always accessible and up-to-date.

Works on both Windows and Mac

Share and edit live with Google Sheets

No complex software or plugins needed

Maintain a single source of truth for your finances

Quickly understand your farm's financial performance with a powerful, easy-to-read dashboard. It visualizes key metrics like revenue growth, profitability, and cash flow, making it simple to present your kiwi farm profit projection to stakeholders. This high-level summary is perfect for tracking progress and spotting trends.

Track key performance indicators (KPIs)

Visualize revenue streams and cost drivers

Monitor cash balance and burn rate

Simplify complex data for presentations

Pinpoint exactly when your farm will become profitable and how long it will take to recoup your investment. The model includes a break-even analysis and calculates key return metrics like IRR and payback period. This is crucial for any orchard investment analysis and helps you set realistic financial goals.

Automatically calculate your break-even point

Determine your investment payback period

Assess the Internal Rate of Return (IRR)

Calculate ROI for kiwi fruit farming