Agricultural Financial System

Major update over the previously released 1.2.0.0. Everything listed below is new or changed.

💳 ONE CREDIT LINE · The four credit lines become one line for the whole company, starting at 100,000 (50,000 or 250,000 in the settings). · Your saved game adds up the credit you already earned with each supplier: nothing is lost. · Tax and payroll accounts don't use your credit margin.

🏦 BANK AND DOCUMENTS · New look: the bank account as a home banking card, next to cash, committed funds and credit margin. · Every tab shows the paper document of the selected row: invoice, purchase order, cheque, promissory note, sale settlement or payslip, with its status stamp. · The Statement is now a bank statement with Debit, Credit and Balance. · Transfer to another farm, with the bank cost of your country shown before confirming. · The ATM belongs to the same bank, has its own icon and shows the last operation on screen. · Its own sounds for the ATM, credits, debits, arrears, bounced cheques and stamps.

⚙️ SETTINGS IN THE GAME MENU · Tax regime, starting credit, staff cost (Realistic or Low), commercial terms (Realistic or Balanced) and Farm and Contractor. In multiplayer only the admin changes them.

🧾 TAXES (optional, off by default) · Argentina, Brazil, Spain, Germany, France, Italy and the United States. · VAT on every sale and purchase, monthly VAT return, annual income tax with depreciation and losses. · New Invoicing tab: the tax authority's portal with the book of invoices and the invoice on paper. · Contracts are invoiced to the NPC who owns the field.

🤝 INVOICES BETWEEN FARMS · From the Invoicing tab (C button) you invoice another farm. It accepts or rejects it in Pending. Once accepted, you get paid when they pay.

🚜 FARM AND CONTRACTOR (optional) · Two bank accounts in the same company: contracts go to the Contractor, sales to the Farm. · Automatic cover between them, free transfers, and you choose which account pays each purchase. · Helper wages on contract fields are charged to the Contractor.

👷 STAFF · Real labour charges: 47.3 % (Realistic) or 15 % (Low), instead of the fixed 35 %. · The Personnel tab shows a daily wage sheet and a real payslip. You can set the employee's name in Company Details.

💰 SALES AND CONTRACTS · Animal sales now go to Accounts Receivable like any other sale. · Contracts that pay with their own code (Supply & Transport Contracts, dead wood, tree transport and rocks) now go to Accounts Receivable. · Fuel bought at the map's fuel stations now goes on account. · Other mods can add their own instalments and fees to the current account.

Compatible with save games from 1.2.0.0: no new game needed.

Multiplayer and Dedicated Server supported.

Major update over the previously released 1.0.2.0. Everything listed below is new or changed; anything not mentioned remains unchanged.

💳 **CREDIT LINES**
· Two new categories with their own credit limits: **Construction** (starting at $250,000) and **Livestock** (starting at $120,000), in addition to **Inputs** ($50,000) and **Machinery** ($100,000).
· Each farm has its own credit line with each supplier in each category. Paying on time increases that specific credit line by 15%, without affecting credit in other categories.
· In multiplayer, one farm can no longer use credit earned by another farm.

🏗️ **CONSTRUCTION AND LIVESTOCK ON ACCOUNT**
· Construction purchases can now be made on account. The fourth button in the construction screen activates this option.
· Livestock purchases on account now work correctly. In version 1.0.2.0, the button was still charging the purchase immediately.

⏳ **PAYING LATER COSTS MONEY**
· When assigning a purchase, you can choose **Cash, 30, 60, or 90 days**, with surcharges of **0%, 2%, 5%, or 10%**, respectively. The surcharge is shown in currency before confirming the option.
· For machinery and construction purchases, a **25% down payment** reduces the surcharge by half.
· A purchase that you do not assign to a payment term is no longer charged immediately: the supplier will invoice it at 30 days with a late-payment surcharge.

📄 **PROMISSORY NOTE**
· If a shop purchase exceeds your available credit limit, a promissory note is offered **before the purchase is made**, with its terms clearly displayed. If you reject it, nothing is purchased.
· **180 days with a 30% surcharge:** the monthly cost is higher than using a current account, as it should be.
· The credit limit is reserved at the time of purchase. Promissory notes have their own orange color and status in the lists and cannot be settled using grain.

🏦 **RECEIVABLE PAYMENTS**
· An overdue receivable is no longer collected automatically. You can choose between a **bank deposit (4% bank tax)** or collecting the payment **in cash at the factory counter**. You must personally go to the factory to collect it.
· If you do not visit the counter, the payment will still be deposited into your account after a few days.

👷 **WAGES**
· The hourly cost of hired workers is no longer charged immediately. It accumulates and is settled once per month as a payable account, consisting of the base wages plus **35% labor costs**.
· If the payroll remains unpaid after its due date, workers will no longer accept new jobs.
· New **Personnel** tab showing the current month.

🌾 **GRAIN BARTER**
· A signed grain barter agreement is now displayed as a contract, with **seven clauses, status stamp, and signatures**.
· Only one active contract is allowed per farm.
· If you pay the barter debt in cash, the contract is terminated without penalty and the transaction is recorded in the **Statement**.

🌐 **MULTIPLAYER & DEDICATED SERVER**
· ATM deposits and withdrawals made by clients are no longer discarded.
· Client company information is saved and displayed instantly.
· Bank balances and credit limits are synchronized with clients immediately, without waiting for the end of the day.
· A client cannot create, pay, collect, or modify transactions belonging to another farm.
· The mod tab no longer disappears from the menu bar.

🖼️ **INTERFACE**
· Icons added to the balance and credit-limit rows, and the ATM interface has been redesigned.
· **Company Information** can now be opened from any tab.
· Lists are always sorted by the nearest due date.
· Purchases made at purchase stations now display the product name in the game's selected language (e.g. **"Wheat Purchase"**).

💾 **SAVING**
· Financial data is now saved together with the game save.
· If you exit without saving, financial transactions are also discarded, just like the rest of the game.

🔧 **FIXES**
· Paying livestock purchases on time now increases the livestock credit line instead of the machinery line.
· Assigning a purchase to a supplier no longer changes the category of their credit line or removes previously earned credit.
· Payroll settlement no longer creates a credit line.
· Grain barter agreements no longer fill the error log.

**Compatible with save games from version 1.0.2.0:** no new game is required, and previously earned credit is preserved in its respective category.

**Multiplayer and Dedicated Server supported.**

New: post-dated cheques (30/60/90 days) to settle an open current-account entry ("Issue Cheque" button). A bounced cheque adds a 5% surcharge, goes overdue and lowers the supplier limit; a second bounce suspends cheque issuing for 90 days.
New: animal purchases on current account — choose Cash or Current Account when confirming at the dealer.
Grain exchange is now valued 5% above market price.
UI: named tabs (Pending, Payables, Receivables, Grain Exchange, Statement) and a more compact layout.
Multiplayer: clients now receive the daily notices (automatic debits, overdue, seizure, late customers) and the full statement, including when joining later. The daily summary is per farm.