Ok, I just replayed it to make sure I remembered how, and beat my previous best time by about 20 seconds.
Start by buying one cow as soon as it will let you click on it.
Buy 5 grass and don't worry. Get the bear as soon as it falls and send it to town. While the truck is going and coming back trap the two bears that fall. Put one in the warehouse. As soon as the truck gets back upgrade the warehouse once and put the second bear in, then send the truck to town. You should be getting a milk sometime in here, probably just before the two bears fall. Grab that and send it to your separator.
Buy one batch of water. Buy more grass. When the truck gets back buy 2 of the items to make cheese (I forget the name) and make a batch of cheese, keep processing the milk as you get it, and keep rotating the products to the next item. Send the first cheese with a bear to town. Upgrade your warehouse and truck fully, keep processing and selling cheese. When you have 10,000 (the 2nd & 3rd cheese wheels sold), buy a second cow. When you have 12,500 upgrade your separator. When you have another 10,000 buy a third cow. When you have 15,000 upgrade your butter dairy. When you have 17,500 upgrade your cheese dairy. Upgrade your well to the last stage before the irrigation so you are in control of how much money you spend on water.
When you have enough milk to have met the sour cream goal, sell your cows with whatever cheese you have. This should get you 20,000 to upgrade the cheese dairy to 3 at a time. This will help you process even faster on the last couple, and get you done in record time.