Proprietary Agros® Score to Assist Agricultural Lenders

New field-level credit score provides accurate benchmarks and instant risk scoring for agricultural lenders, removing the guesswork and biases of previous methods.

by Jaclyn Roberts

June 23, 2020

Agrograph, a Midwest agricultural technology company, announced the launch of its newest product, the AgRiskScore (Agros® Score), a risk management solution aimed to help lenders assess the creditworthiness of farmers.

The Agros® Score provides a standardized farm-to-farm creditworthiness rating ranging from one to five. Creditworthiness is determined by analyzing field-level data including land use, crop yields, and market demand among many other scientifically validated environmental factors.

Agros Score

An example of the new AGRO® Score.

Agrograph’s breakthrough risk management solution addresses a modern challenge facing agricultural lenders, how to streamline the credit assessment process from field to financing. The Agros® Score measures both the risk and spatial distribution of a client’s productivity, which a lender can utilize for pricing and portfolio management. In addition, lenders have confidence in the solution as it removes the risk of self-reporting application errors, and accurately compares farm-to-farm values that allow for local, regional, and global benchmarking.

“Historically, few lenders had analytical tools to understand the various factors impacting on-farm profitability and even those that do are limited to a small geography,” said Mutlu Ozdogan, founder at Agrograph, who holds a PhD in Remote Sensing and Crop Modeling. “Now, with our Agros® Score standardized metrics scale operational loans, giving financial institutions the ability of to serve farmers across the globe.”

The Agros® Score is good for lenders and it’s good for farmers, according to Agrograph co-founder Jim O’Brien.

“Farmers need access to reliable and consistent financial resources, and the Agros® Score broadens the financial tools available to farmers by providing institutions with the confidence needed to invest in agriculture.”

Jaclyn Roberts is a Texas native with strong ties to the agricultural industry. She is the Marketing Coordinator at Agrograph.

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