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 composition, pH, drainage capacity, topography, erosion risk. 12 parameters via Copernicus Land Monitoring.
Equipment Index
Machinery age, mechanization coverage, maintenance records, replacement cost ratio.
Climate Index
ERA5 25-year analysis: drought frequency, frost days, precipitation variability, CVI per raion.
Harvest Index
FAOSTAT + national statistics. Monte Carlo P10/P50/P90 yield distribution per crop per region.
Network Index
Buyer concentration, forward contract coverage, cooperative membership, elevator proximity.
Market Index
Commodity price exposure, basis risk, distance to grain elevators and export terminals.
Input Index
Seed variety performance, fertilizer cost index, input supply chain reliability score.
RegIndex
APIA subsidy eligibility, LPIS registration, EU CAP compliance, EUDR traceability readiness.
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