Lender-facing readiness index
Bankability Score — live demo
A composite score BAU computes for every specialty-crop grower on the platform. Adjust the drivers to see how records, contracts, and diversification move a farm from sub-bankable to prime.
6 yrs
Lenders discount farms under 3 years; 5+ years is the sweet spot.
Weight: 15%Contribution: +12.9
$450,000
Revenue scale signals capacity to service debt.
Weight: 15%Contribution: +6.8
72%
Lower year-to-year variance → higher score.
Weight: 10%Contribution: +7.2
55%
% of production under signed contracts or forward sales.
Weight: 15%Contribution: +8.3
80%
0 = paper only, 100 = full digital yield, cost, and traceability logs on BAU.
Weight: 15%Contribution: +12.0
65%
% of acreage covered by RMA / private crop insurance.
Weight: 10%Contribution: +6.5
35%
Lower is better. >60% is a red flag for most ag lenders.
Weight: 10%Contribution: +5.0
4
Number of distinct crops × buyers, normalized.
Weight: 5%Contribution: +3.3
60%
Irrigation coverage, water rights, soil health index composite.
Weight: 5%Contribution: +3.0
Why it matters: every point of Bankability Score maps to real basis-point savings on operating lines. BAU's recordkeeping alone typically lifts a grower 8–15 points within one season — turning a Watch farm into a Standard one.