*The Cash Flow Cycle in Farming* Farming has three key phases: _Planting Season:_ High Expenses: Seeds, fertilizers, labour. Low Income: No sales yet. _Growing Season:_ Moderate Expenses: Pest control, irrigation, weeding. Low Income: Minimal sales (unless intercropping). _Harvest Season:_ High Income: Sales of crops/livestock. Expenses: Transport, labour for harvesting, loan repayments. _*Key Insight:*_ Plan for the "cash flow gap" between planting (high costs) and harvest (income).