The financial tools every big ranch has.
Now built for yours.

Now in private beta

The financial package your lender already wants. Built on FFSC standards, generated from the books you already keep.

See a sample reportSee a sample answer

Financial intelligence software. RangehandIQ is not a registered investment advisor, broker-dealer, CPA, attorney, or lender, and does not provide investment, accounting, tax, legal, lending, credit, securities, or commodity/futures advice or recommendations.

Built for
Cow-calf · 250–1,000 hd
Standards
FFSC-aligned · lender-ready
Beta pricing
$795 / year
The problem

Most ranches don’t have someone watching the numbers month-to-month. They have a CPA who shows up at tax time, a banker who needs your numbers before renewal, and a spreadsheet that doesn’t know a heifer from a steer.

01

The Cost Blind Spot

Most operators know their total expenses but can’t tell you what it actually costs to raise each calf. Without that number, every management decision is, at best, an educated guess.

02

The Bank Meeting

Every renewal season, ranchers walk in with a tax return and a handshake. A professionally documented financial package — balance sheet, cash flow, key ratios — changes the conversation.

03

The Succession Gap

The average Intermountain West rancher is in their sixties. Water rights, grazing schedules, vendor relationships, permit history — it lives in one person’s head.

04

The Federal Land Layer

BLM and Forest Service grazing allotments require specific tracking, documentation, and reporting that no general business tool understands. This is not Iowa row crops.

From an interview
“If it can’t fit on the back of an envelope, it’s too much. RangehandIQ gives you the envelope — with the math already done.”
A rancher we spoke with
The ask

Ask your books a question.

Back-of-envelope clarity. Without the envelope.

Fluent in cattle and the numbers behind them. Ask in plain English. Get the math back with the answer — before the banker asks first.

01 · Next-gen spouse
Where do we actually stand heading into renewal?
Cost per cow (fully loaded)
$1,217
Weaning weight
489 lbs / exposed
Current ratio · Working capital · Debt service · Coverage
1.67 · 17.3% · 22.1% · 1.31
Lender thresholds
2 green · 2 yellow · 0 red
Verdict
489 lbs weaned per exposed female; 2 of 4 lender ratios green — working capital (17.3% vs. 20%) and debt service (22.1% vs. 20%) sit in the amber zone
02 · Senior operator
If calf prices drop 10% this year, what happens?
Calf revenue
−$40K (10% of $400K baseline)
DSCR
1.31 → 0.19 · red
Working capital
$79K → $39K · red
Cash reserve
3.2 → 1.0 mo · red
Verdict
Even a single-digit slump turns all four metrics red — the call to make to the banker before March renewal, not after
03 · Next-gen operator
If I expand by 100 head this fall, what happens to my numbers?
Capacity
480 → 580 cows · BLM maxed (300 AUMs short)
Cost per cow
$1,217 → $1,187 (fixed costs spread)
New debt service
+$59K / yr · $250K @ 7% × 5 yr (100 mature cows @ $2,500)
DSCR
1.31 → 0.49 · red
Verdict
Financed, DSCR drops to 0.49 — below lender minimum. Two paths that work: buy from cash flow over 2–3 years, or wait until WC clears 20% and cash reserve tops 3.2 mo.
AcronymsDSCR Debt Service Coverage Ratio (net operating income ÷ annual debt service) · WC Working Capital, shown as % of cash operating costs · AUM Animal Unit Month (forage to feed one cow for one month)
Run a what-if before you call your banker. Know your ratios before they do.
How it works

From your books, through a conversation, to your banker.

01

What you already have.

QuickBooks exports, bank statements, last year’s tax return, the red book in your pocket. You bring the books you already keep — we read from your exports, not a second accounting system.

02

Ask the questions worth asking.

DSCR. Cost-per-cow. Should you keep the heifers or sell them. The math your banker is going to walk through anyway — only now you’ve already seen the answer.

03

Walk in prepared.

Renewal time. You sit down with your banker holding the same package the big operations bring. The conversation changes.

What else it does

Six tools. One place.

01Conversational · What-if

Ask Your Books a Question.

Fluent in cattle. Connected to your numbers. Plain-English answers with the math attached — DSCR, working capital, breakeven, what-if. Before your banker asks.

“If it doesn’t pencil on the back of an envelope, it’s not gonna work — the unseen stuff wipes out the margin.”
A Box Elder County rancher
02Green · Yellow · Red

Lender-Ready Export — One Button.

Balance sheet, cash flow, key ratios. Built on FFSC standards. The same package big operations hand their banker — ready before your renewal.

03Fully-loaded

Know Your Cost Per Cow.

Your fully-loaded cost to run a cow — book costs plus your own labor and land — so you know your true cost of production, not just total expenses.

04Roles · Permissions

Spouse / Bookkeeper Access.

Role-based access. The bookkeeper enters numbers without seeing loan covenants. The operator reads the package without entering receipts.

“He’s got the cow numbers… and then I pay the bills.”
A ranch spouse, at the kitchen table
05FSA · Inheritance

Next-Gen Track Record.

FSA eligibility, loan history, clean books that build year over year — packaged for the day your kid walks into a lender’s office.

06Documentation · Inheritance

Succession — On Your Terms.

Water rights, grazing schedules, vendor relationships, permits. The records your kids inherit, documented at your pace — not under duress.

“Sometimes it is better to pay tax and have your family stay together.”
A succession planner, 34 years in the work
Lender ratios

The numbers your banker reads first.

Four ratios on FFSC standards, scored against Intermountain West lender benchmarks. Red, yellow, or green — before the meeting, not after.

Sample operation · 480-head cow-calfFFSC standardsPeriod ending Dec 2025
01Current ratio
OPTIMUM
1.67×
< 1.25
below standard
1.25
minimum
≥ 1.50
optimum
02Working capital
AT MINIMUM
17.3%
< 15%
below standard
15%
minimum
≥ 20%
optimum
03Debt service
AT MINIMUM
22.1%
> 25%
below standard
25%
minimum
≤ 20%
optimum
04Coverage ratio
OPTIMUM
1.31×
< 1.15
below standard
1.15
minimum
≥ 1.25
optimum

Thresholds per Intermountain West lender benchmarks. Generated from the books you already keep — balance sheet, cash flow, and full ratio analysis on FFSC standards.

The report

The report your lender already recognizes.

Balance sheet, cash-flow statement, key ratios — built on FFSC standards and traceable to every entry. The same package the big operations hand their banker, on one button.

RangehandIQ lender package preview
Sample · Fictional operation
RangehandIQ in-app dashboard
What’s inside

Financial health snapshot · balance sheet · cash flow · debt service and coverage ratios · your fully-loaded cost per cow. One PDF. Every number traceable.

View sample report
Who it’s for

Six real people. One tool.

A rider on a dapple grey, working cattle in dust and golden light.
These ranches. These people.
01

The Senior Operator

60s+ · Owner

Three generations in. The operation lives in his head and his red book — every gate, every grazing rotation, every handshake. He doesn’t need a new system. He needs his knowledge written down before he hands the reins over.

02

The Next-Gen Operator

30s–40s · Heir apparent

Wants the records to back up the handshake — the clean books a lender expects, built before the first solo meeting. Tech-fluent, but not interested in tools that talk down to his father.

03a

The Spouse / Bookkeeper

Senior household · Spouse keeps the books

In this household they’re the same person — his wife runs the books at the kitchen table after dinner, often the only one who knows where every receipt actually went. Needs the math, and a clean role boundary that means she doesn’t have to read the loan covenants she didn’t sign. (When the bookkeeper is a hired hand or an outside service, the same role boundary applies.)

03b

The Next-Gen Spouse

Mid-30s · Initiates the decision

Watching her siblings-in-law build documented equity while her family’s operation lives in a pocket notebook. Has the laptop and the patience her husband doesn’t. She finds the tool, sets it up, runs the first lender export — and presents it to him as already working.

04

The Ag Lender

Banker · Annual review

Reads the package ahead of the renewal meeting. Doesn’t have time to be a forensic detective on handwritten receipts. When her borrower walks in with numbers on FFSC standards instead of a notebook from a shirt pocket, the renewal conversation stops being painful — for both sides of the desk.

05

The Red Book Operator

Pocket notebook · Books on the computer · Both

The day-to-day lives in the red book in his shirt pocket. The books on the computer exist mostly for the CPA in March. Two systems, no connection between them — and no plans to change that. Will accept a tool that reads from the books he already keeps and respects the notebook he already trusts.

What this won’t do

We’re not here to sell you the future. We’re here to be useful before your renewal.

01

It won’t ask you to throw out the Red Book.

The notebook in your shirt pocket works. So does the way you already do envelope math in the truck. RangehandIQ is built to sit alongside what works — to take the numbers you already track and turn them into something a banker, a spouse, or the next generation can read at a glance.

02

It won’t replace QuickBooks.

If you already keep books, you export them and we read the file. We don’t ask you to enter every receipt twice. The operators we’ve spoken with are clear: a second accounting system is a non-starter. RangehandIQ sits on top of what you have and turns it into something a banker can read.

03

It won’t track every cow individually.

Ear-tag-by-ear-tag herd management is a different product, for a different operator. For commercial cow-calf at this scale, what matters is total ranch productivity — cost per cow, break-even per calf, days of feed on hand — not weighing every animal twice a year.

04

It won’t make the cattle market behave.

Knowing your cost-per-cow doesn’t move the futures price. What it does do: tell you, in October, whether you can afford to buy yearlings in March. That’s the difference between a decision and a hope.

05

It won’t replace your gut.

Thirty years on the ground taught you things no spreadsheet will. RangehandIQ doesn’t override that — it puts the numbers next to it. Ask a question, get the math, decide for yourself. The instinct is yours; we just run the figures behind it.

From an interview
“Do I think it’s an uphill battle? Yes. But has every good idea had an uphill battle? Probably. That doesn’t mean it’s not worth pursuing.”
A working operator
Our country

This is Intermountain West ranching — not Iowa row crops. The tools should know the difference.

UT
Utah
ID
Idaho
WY
Wyoming
MT
Montana
NV
Nevada
CO
Colorado
In memoriam
Gary Rose at the corral
Park Valley, Utah

Gary Rose

Rose Land & Cattle · 1930–2022

Eight generations running cattle in this country. The work, the country, and the standard passed on through him, and those who came before.

This is built in his memory.

Founder

My dad spent 65 years as a rancher and agricultural lender. My family has run cattle in Park Valley, Utah for eight generations. From both sides of that desk, the same thing was true: most family ranches were running blind on the financial side — not for lack of work, but for lack of a tool that fit the way they actually operate. RangehandIQ is what I’m building to fix that.

— Matt RoseFounder
Early access

Tell us where what you’re using now falls short.

Private beta is by invitation. We’re looking for operators in the Intermountain West — 250–1,000 head — willing to be honest about what doesn’t work today.

No spam. No sales calls. We’ll be in touch personally.

Or, if you’d rather talk first
matt.rose@rangehandiq.com →
Reviewed personally · 24–48 hr response
RangehandIQ
Cow-calf operations · 250–1,000 head · Intermountain West

Built for the ranches that built the West.

Contact
matt.rose@rangehandiq.com
Phone by appointment · After first email
Reviewed personally.
24–48 hour response.
Standards & disclaimer

Reports follow Farm Financial Standards Council (FFSC) guidelines and produce balance sheet, cash flow, and key-ratio outputs your lender already recognizes. RangehandIQ is a financial management tool. It is not a registered investment advisor, broker-dealer, CPA, attorney, or lender, and does not provide investment, accounting, tax, legal, lending, credit, securities, or commodity/futures advice or recommendations. Talk to your CPA, your attorney, and your lender about decisions that matter.

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