FarmFolio Enterprise Simulator is a web-based decision-support platform that allows farmers, agripreneurs, cooperatives, and agricultural lenders to simulate a farm enterprise or a portfolio of enterprises before committing real capital.

The platform takes a farmer’s available resources (capital, land, labour, water access) and enterprises of interest, and returns ranked, financially-modelled enterprise combinations, optimal capital allocation across those enterprises, risk-adjusted return projections, and a bankable business proposal ready for submission to a financial institution.

The core insight behind FarmFolio is that most farm investment failures in Nigeria and similar markets are not due to poor farming technique, but poor investment planning: farmers commit all their capital to a single enterprise without modelling realistic costs, cash-flow timing, or risk exposure. FarmFolio addresses this directly by bringing portfolio theory, which has long been used in financial investing, into agricultural enterprise planning.

FarmFolio Enterprise Simulator

Fixed Inputs

Fixed inputs are constant regardless of production cycle — land, capital, permanent infrastructure.

Available capital (NGN)

Land available (hectares)

Water source

Agro-ecological zone

Primary goal

Additional fixed resources

Resource name

Value / quantity

Variable Inputs

Variable inputs change per cycle – labour, feeds, seeds, fuel. These reduce net profit.

Labour (persons)

Daily labour cost (NGN)

Farming experience

Additional variable inputs

Input name

Unit cost (NGN)

Qty per cycle

Enterprises

Select enterprises you are open to. The simulation builds ranked 2-, 3-, and 4-enterprise combinations.

Maize

Cassava

Poultry (broilers)

Vegetables

Catfish

Pigs

Goats / sheep

Soybeans

Snail farming

Mushrooms

Beekeeping

Rice

Add custom enterprise

Name

Startup cost (NGN)

Net profit/cycle (NGN)

Cycle (months)

Risk level

Tip: “Net profit/cycle” is the profit AFTER costs for one full production cycle — not gross revenue.

Loan / Financing

Optional. Loan adds to capital. Moratorium = grace period before repayments begin. Repayments are deducted from cash-flow projections.

Loan amount (NGN)

Annual interest rate (%)

Repayment term (months)

Moratorium / grace period (months)

During moratorium, interest accrues but no repayment is made. Repayment then begins for the remaining term.

Risk Factors

Higher values stretch payback and escalate risk badges. Add custom risk factors relevant to your locality.

Disease / pest outbreak 20%

Rainfall variability 30%

Input price volatility 25%

Market access difficulty 20%

Add custom risk factor

Risk factor name

Severity (0-100%)

Commodity Market Prices

Enter current local selling prices. These feed directly into revenue estimates.

CommodityUnitQty/cyclePrice/unit (NGN)

Market price index 100%

Enterprise Mix Recommendations

Run the simulation to see ranked enterprise combinations.

Portfolio Capital Allocation

Run the simulation first.

Financial Ratios & Interpretation

Run the simulation to compute ratios.

Cash Flow Projections

Projection period:

Run the simulation to generate cash flow.

Seasonal Production Calendar

Run the simulation to generate calendar.

Community Benchmark

Run the simulation.

Anonymised farmer-reported figures – demo data.

Bankable Business Proposal

Generate a full business proposal for any enterprise combination. Fill in your business details below, then click Generate. The proposal opens in a new tab ready to Print → Save as PDF.

Business / Applicant Details

Business / Farm name

Proprietor / CEO name

Business address

State / LGA

Phone number

Email address

Brief business background (optional)

Proposed enterprise combination

Proposal date

Saved Scenarios

Scenario name

Saved in this browser (localStorage).

Export Report

Generate a professional investment summary. Click Print to open a clean report view, then use your browser’s Print dialog to Save as PDF.

The print view shows a clean, formatted report without the sidebar or navigation.