Name: An Accountant, a Lender and a Bookkeeper Walk into a Bar - and Spend the Evening with a Balance Sheet
Start: 2026-09-22T15:30:00-0600
End: 2026-09-22T17:00:00-0600

An Accountant, a Lender and a Bookkeeper Walk into a Bar - and Spend the Evening with a Balance Sheet

Tuesday September 22, 2026 3:30pm - 5:00pm MDT

Alvarado H

Re-submitting to correct the title. Everything else in this submission is the same as before. Accountants, lenders and bookkeepers have three different approaches to a balance sheet. All are correct, but on occasion all are in conflict, which can be hard on the business owner, or an adviser. Sometimes the same terms are used in different ways, and often they have very different perspectives on what belongs on a balance sheet and how numbers are calculated. In this session we will go through a balance sheet and discuss how it is prepared by a CPA following Generally Accepted Accounting Principles, by a bookkeeper using the modified accrual or modified tax method of accounting, and by a lender for underwriting purposes. We will also discuss best practices for helping a client to develop a balance sheet that can be used to apply for a loan and to anchor a new bookkeeping system. Participants will leave with a new understanding of how common financial terms are used in different specific contexts, and will have improved ability to help clients improve their balance sheet presentation for management and loan-seeking. This session will help anyone who works with farmer on their bookkeeping or lending applications to gain a deeper understanding of technical terms which are often hard to teach, particularly when the teacher does not understand all of the nuances of the term, and the learner does not have any background knowledge of the broader subject of financial accounting. This session addresses a common problem for farmers who do not use standard bookkeeping methods, compile information for loan applications, and then later try to set their bookkeeping up to match the loan application documents.

Speakers

Jane Garcia

Director of Lending, California FarmLink

Jane Garcia is the Director of Lending for California FarmLink, providing loans to under served markets in the agriculture industry. Professional licenses include Mortgage Loan Originator, Realtor and Notary. She is experienced in mortgage, commercial, SBA, USDA, and consumer credit... Read More →

Poppy Davis

Adviser, California FarmLink

Poppy Davis is a business and policy adviser to agricultural and food and beverage enterprises, nonprofits, and local governments. She works through agricultural training programs around the country to deliver programing on topics including agricultural taxation, accounting, credit... Read More →

Winona Dorris

Technical Assistance Director, Potlikker Capital

Winona Dorris is the Technical Assistance Director at Potlikker Capital, where she leads the design and implementation of technical assistance strategies that help agricultural producers build resilient, sustainable businesses. She oversees the development of technical assistance... Read More →

Tuesday September 22, 2026 3:30pm - 5:00pm MDT
Alvarado H

Farm Financial Management, Accessing Capital

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National Farm Viability Conference

Jane Garcia

Poppy Davis

Winona Dorris

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Success you have shared X tickets.

National Farm Viability Conference

Jane Garcia

Poppy Davis

Winona Dorris

Attendees (1)

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