What contributes to BFR farm business success may depend on your viewpoint.  This panel will offer different perspectives on the same success story by pairing BFRs with their loan officers.  Loan officers will explain how to use a simple one-page annual cash flow budget for the type of farm business their BFR customer has started, essentially a benchmark against which farm business performance can be measured.  The benchmarked budget spreadsheets will be available for downloading by the audience. The whole process of farm start-up, planning, financing, mentoring, management, and assessment will be told with an ear towards what training, tools, decision points, and strokes of luck came together to achieve farm business success—and how some of that story can be told on a spreadsheet.