Board Thread:Questions and Answers/@comment-6016076-20140720081239/@comment-24497113-20140727172419

They didn't just bolster the regular farms. The Bank and Advisory have increase rate and threshold. While I have yet to unlock the Advisory myself, the Bank makes $675 without the other upgrades.

At max, a 2/3 Bank earns about $1502; it reaches it's threshold within the 6th round of having it, and generates the aformentioned amount in the 5th round, resulting in a balance of ~$6326. Compared to the Banana Republic's $5625 within 5 rounds at 3/2, the Bank will generate more money at the cost of it not being easily available (without causing a loss, that is).

The difference in cost between a 2/3 and a 3/2 is only $1000. However, the difference between a 0/3 and a 3/0 is $3800. Generating that much additional cash is no simple feat with only 1 Farm.

My suggestion is to build up a decent number of 2/0's with at least 1 3/0 (or 3/2, if you have the extra cash) to help expedite the process. Then, over time, you can convert your the others to Banks and, if you have them unlocked, Advisory's, as those are the best ever.