FS25 Midwest Ag Finance Ecosystem V1.0
Midwest Modding Studio brings five connected mods to Farming Simulator 25, covering the business side of a real Midwest farm. Each mod can be used independently, while installing the complete set links the bank, dealer, auction, insurance, and financial systems.
Features
- Midwest Ag Finance provides the bank, seven lenders, loans, credit, and new-equipment dealers offering orders, demonstrations, seasonal rentals, leases, and trade-ins.
- Midwest Machinery Exchange creates a changing used-equipment market inspired by Machinery Pete, TractorHouse, and Fastline.
- Midwest Equipment Auction runs weekly online auctions for farm equipment, including live bidding, proxy bids, and consignments.
- Midwest Ag Insurance offers crop insurance by field and equipment insurance, either separately or through a blanket policy.
- Midwest Ag Financials automatically prepares a year-end Schedule F style tax return and a lender-style balance sheet.
- The bank finances dealer inventory, repossessed machines are sent to the auction, the books supply loan applications, and lenders require insurance for financed items.
- Seasonal equipment rentals charge by the operating hour. Both tractors and implements are eligible, with hours taken from the game’s own hour meter rather than a flat daily charge.
The download also contains a Player Guide (PDF) covering every feature and the complete underwriting rules, plus an Ecosystem diagram (PDF) that explains the connections between the mods.
Seasonal rentals, demos, and leases
Choose Buy for a machine held in dealer stock to see the purchase options available for it.
- A seasonal rental lasts three months and costs 0.03% of the machine’s price for every operating hour, with the first 25 hours paid in advance. For a $100,000 disk ripper, that is $30 per hour, so the starting payment is $750. Use it for as much of the season as needed, then return it.
- A demonstration gives you two days and 10 hours for testing. Buying the machine reduces its price by 5%. Each model can be demonstrated once every 12 months.
- A lease runs for 36 months, includes 400 hours per year, and has a 55% residual. A $200,000 tractor costs about $3,210 per month. At the end, purchase it for the residual or return it, with an early buyout also available.
- Purchase the machine outright, purchase it with a trade-in, or finance it. Financing transfers that exact build, including all options, into a loan application.
Machines under demonstration, rental, or lease cannot be sold. Missing lease payments leads to the machine being picked up.
Seven lenders, each with its own rules
- Farm Credit Midwest and Ag 7 Credit are Farm Credit co-ops that return a yearly patronage dividend equal to 15% of the interest paid to them.
- Mercer Credit Union takes a conservative, personal-focused approach and offers home loans, personal lines, and cards.
- Bushels & Barrels National Bank makes quick decisions and has the loosest credit floor, but charges more for risk and loses patience sooner.
- John Deere Financial, CNH Capital, and AGCO Finance provide manufacturer financing for their own brands. They offer same-day decisions and promotional rates, including 0% up to 36 months on Deere, 0.90% on CNH, and 1.90% on AGCO, for borrowers with good credit.
Real underwriting
- Applications are underwritten using credit score, collateral, cash flow (DSCR), and leverage (LTV). Lenders differ in their risk tiers, advance rates, down payments, and minimum scores.
- Personal and business credit scores are separate, range from 300 to 850, and are built from payment history, utilization, and account age.
- An approved-with-limit decision identifies the exact limit reached, as a loan officer would.
- Rates follow a market index that changes monthly and can occasionally experience a shock. Fixed rates lock at closing, while eligible borrowers receive offers to reduce their rate when the market falls.
Loans and accounts
- Available products include equipment loans, farmland loans, home mortgages, operating lines with use-of-funds audits, and credit cards with a real statement and grace period.
- Business and personal checking accounts, savings accounts, and CDs from 6 to 60 months are included.
- The system handles liens in lien order, blanket liens on operating lines, sold-collateral rules, and an operator salary for full-time farms.
- After enough missed payments, you receive a written notice and then face repossession. When the auction is installed, the bank sends the machine to the next sale, and the proceeds pay loans in lien order. Any surplus belongs to you.
New-equipment dealers
- Three dealers have real brand lines and individual floor stock: Apple Equipment Service (Versailles, Ohio), Star Hardware (Findlay, Ohio), and AgServe (Atlanta, Indiana).
- For every machine, the shop displays In Stock, Dealer Order, or Factory Order, along with the delivery time and deposit.
- Machines not currently on the lot can be ordered. A 10% down payment locks the price, and the remaining balance is due at delivery.
- Trade-ins allow up to four machines in one deal. The dealer pays off their loans, while negative equity may be included in a bank loan up to the cap set by each lender.
On the phone
Using the LS Lifestyle (HS25) phone mod adds a bank app for balances, transfers, recent activity, and quick loan payments. Loan applications must still be made at the bank.
Midwest Machinery Exchange: used equipment
- Used machines from the three dealers and private sellers across western Ohio and eastern Indiana can be browsed. Listings include real store items, base game equipment, and mods, each with its own age, hours, wear, damage, and options.
- Supply and prices respond to the season, crop prices in your save, and what farms are buying or selling. Listings can sell to other buyers, fall in price, appear, and disappear.
- Buy at the asking price, submit an offer and counter, or request a quote for CALL FOR PRICE listings. Documentation and delivery fees appear before confirmation.
- Your own machines can be sold by listing one and waiting for buyer offers, or by accepting the dealer’s instant offer.
- Features include price history for everything sold, a watch list with saved searches and alerts, and an optional phone app.
Recommended Mods (not required)
- Advanced Damage System, works with the equipment insurance: AdvancedDamageSystem
- Hashy Lifestyle mod, gives the ability to use the auction, bank, and used machinery mods on the phone: LS LIFESTYLE
- Farmland Market mod, when installed, the loan wizard will only show available-for-purchase parcels: Farmland Market
