For Agricultural Lenders · Basel II Compliant
Know the real risk behind every farm loan.
TerraScore® quantifies farmland collateral, borrower quality, and climate exposure — so your credit committee can say yes with confidence.
What We Solve
Agricultural credit risk — finally measurable.
Traditional scoring models weren't built for farms. TerraScore® was.
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Portfolio Early Warning
Monitor your entire agricultural loan book in real time. Get alerts before a borrower misses a payment — not after.
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Land Collateral Valuation
Satellite-verified land quality scores updated seasonally. Know what the collateral is actually worth today.
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Climate Risk Exposure
ERA5 historical data + forward scenarios. Quantify drought, flood, and temperature risk for any farm in your portfolio.
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Borrower Quality Index
Human Capital Index (HCI) measures the farmer — experience, equipment, network, and track record — not just the land.
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Instant Credit Scoring
ACS Farm Score™ combines 9 indexes into a single PD/LGD/EAD output. Full Basel II methodology. Audit-ready output.
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ProvableCORE Governance
Every score is tamper-evident. Merkle-sealed. KMS-signed. Independently verifiable by regulators and auditors.
ACS Farm Score™
Nine indexes. One score.
Every dimension of agricultural risk — quantified, weighted, and combined into a single bankable score.
Human Capital Index
Farmer quality, experience, network
Land Index
Soil quality, NDVI, parcel data
Equipment Index
Machinery age, coverage, condition
Climate Index
ERA5 exposure, drought/flood risk
Harvest Index
Historical yield, variability
Network Index
Buyer relationships, contracts
Market Index
Price exposure, commodity risk
Input Index
Seed, fertilizer, supply chain
RegIndex
Regulatory & subsidy exposure
Methodology
Built for credit committees.
TerraScore® outputs are Basel II compliant and audit-ready. Every number has a source, a methodology, and a tamper-evident proof.
How It Works
01
Data Ingestion
Satellite (NDVI), ERA5 climate, USDA/NBM data, farmer-provided inputs — all sources verified and timestamped.
02
Index Calculation
Nine risk indexes computed independently. Each index has a documented formula and data lineage.
03
ACS Farm Score™
Weighted composite score (0–1000). PD, LGD, EAD, EL outputs per Basel II. Monte Carlo confidence intervals.
04
Governance Seal
Every score event sealed with ProvableCORE® Merkle receipt. RFC 9162 standard. Independently verifiable.
Designed for
Commercial Banks
Agricultural Lenders
Credit Unions
International Development Finance
IFC Clients
Ready to see TerraScore® in action?
Request a pilot for your agricultural loan portfolio. Moldova and Romania available now.
Request Pilot Access