Smarter Ag Lending Rooted in Near Real-Time Crop Performance

The Visibility Gap in Ag Lending

Lenders are expected to manage crop risk without actually seeing the crop. Traditional credit assessments rely heavily on historical performance, offering no visibility into what’s happening in the field today. This blind spot creates real risk when crops underperform, diminishing the value of the collateral before lenders have a chance to respond.

• Risk is Based on the Past, Not the Present: Risk is assessed using last year’s data, with no real-time insight into current conditions.
• Reliance on Grower Updates: Without independent field intelligence, lenders rely on grower updates that can overlook or obscure emerging issues.
• Too Little, Too Late: Manual inspections happen late in the season and rarely cover every acre, leaving problems undetected.

When crops struggle, so does credit. Lenders need a better way to detect crop-related risk early, before exposure grows.

Loan Risk Monitor: Field Level Insight, Loan Level Action 

Prioritize outreach, inspections, and potential interventions by leveraging field-level visibility into loan-level risk. With the Loan Risk Monitor, your team can monitor and mitigate in-season crop-driven credit risk at every stage of the ag loan lifecycle, all through a single, color-coded signal for each loan.

Want to see how the Loan Risk Monitor works in your portfolio? 

Built for Lending and Risk Officers

The Loan Risk Monitor was designed with your workflows in mind, giving your team fully explainable metrics designed to enhance your team’s decision consistency, accuracy, and speed.

Whether you’re reviewing new applications or monitoring your loan book mid-season, the Loan Risk Monitor helps your team make smart, confident calls quickly.

With full-field context delivered in a clear format, your team can:

• Proactively spot and address at-risk loans across your portfolio before issues escalate
• Reduce dependency on field inspections by reviewing analytics for every acre
• Improve portfolio-level visibility by staying up to date on exposure throughout the Ag loan lifecycle
• Free up loan officers to focus on strategic engagement instead of data gathering

It’s your lens into the field, backed by data and designed for lending.

From Field to Flag: How Ceres Informs Every Risk Signal

Behind every loan risk signal is a stream of crop-specific data captured throughout the ag loan lifecycle. CeresAI translates real-time field conditions into clear, explainable signals that help you act with confidence.

• Planting: Verify what was planted, where, and when by confirming crop types and planting dates against MPCI deadlines.
• Mid-Growth: Monitor crop development and benchmark performance against regional norms.
• Pre-Harvest: Assess late-season performance and forecast yield to prepare for payout decisions or engagement.

These insights form the backbone of the Loan Risk Monitor, updated regularly, calibrated with your policies, and presented in a format that your credit and risk teams can trust.

Turn Insights Into Confident Actions

Lenders use Ceres to:

• Enhance loan disbursement timing with verified field data
• Support strategic conversations with borrowers throughout the season
• Prioritize engagement where operational signals suggest deeper review
• Strengthen compliance and documentation with verifiable insights

Ceres equips your team to stay ahead with clarity, not react under pressure.