Outdated Tech Is Failing America’s Farmers, Ambrook CEO Says

Fortune Magazine
Fortune MagazineApr 8, 2026

Why It Matters

Outdated financial tools are accelerating farm bankruptcies, so modernizing ag‑tech is essential for preserving agricultural viability and protecting the broader food supply chain.

Key Takeaways

  • Farm bankruptcies rose 50% to over 300 last year.
  • Farmers rely on 20‑year‑old desktop software and paper ledgers.
  • Complex finances demand full‑time professionals, not farmer expertise.
  • Shrinking margins and volatility push farms to the financial brink.
  • Modernizing ag‑tech could restore profitability and reduce bankruptcies.

Summary

The video features Ambrook CEO discussing a sharp rise in farm bankruptcies—over 300 filings last year, a 50% jump from the prior year—attributed to an antiquated financial infrastructure. He explains that many family‑run farms still use two‑decade‑old desktop applications, paper ledgers, and spreadsheets, forcing owners to juggle day‑to‑day operations with cumbersome accounting tasks.

Key insights reveal that farming is a highly complex business requiring dedicated financial expertise, yet most operators are husband‑and‑wife teams without professional accountants. Margins have narrowed dramatically while market volatility has surged, leaving farms operating on a razor‑thin edge. The outdated systems cannot provide the real‑time insight needed to navigate these pressures.

The CEO emphasizes, “It’s not because they are bad at doing the business; the system itself is failing.” He notes that traditional margin structures that once sustained small farms are now “too squeezed” and “volatility is too high,” pushing many to the brink of insolvency. These comments underscore the urgency for digital transformation in agriculture.

Implications are clear: modern ag‑tech solutions—cloud‑based accounting, AI‑driven forecasting, and integrated farm management platforms—could streamline financial workflows, improve cash‑flow visibility, and help farmers adapt to volatile commodity prices. Investors and policymakers alike have a window to support technology adoption that could reverse the bankruptcy trend and stabilize the sector.

Original Description

American agriculture is the backbone of the U.S. economy, yet the average farmer earns about 5 cents of every dollar spent on food. With an almost 50% spike in bankruptcies of U.S. farms and margins thinner than ever due to falling revenues and rising production costs, the agricultural economy is facing an inflection point.
In the latest episode of Fortune's #TermSheet with Allie Garfinkle, Mackenzie Burnett, CEO and cofounder of Ambrook, a modern finance toolkit for farmers, breaks down the high-stakes world of agricultural finance—and explains why outdated tech is failing America’s farmers.
#farmers #tech #agriculture #finance #economy
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