Unless you own the equipment to merge it, chop it, haul it off the field, and bag it yourself...then unload the bagging and move it to your customer; I can't see how it would pencil out. We do the same here as you described, sell standing, get paid by the customer to cut our own hay then they shoulder the cost of haylage processing and trucking. I like the marketing up front to get it sold standing when we have no out of pocket costs yet for the field work. I wouldn't want to be negotiating price feeling like I might have to take what I could get because I had a bunch of chopping and bagging bills coming due. Might get a bit more $ in the end but what's the cost of money over time?