Lend on the season,
not only the balance sheet.
Read an input loan the way the season runs: the crop it pays for, the parcel it lands on, and what changes between disbursement and repayment.
Season context
One input loan.
One season, end to end.
Approval is usually where the credit view stops. Here it keeps going: seven moments of one financed season, as the credit officer sees them in Workspace.
- 01
Application
Applicant 2207 asks for a loan of 46,000 to buy seed and fertiliser for 3.8 ha of sugar beet. The request arrives with the crop plan and the parcel boundary.
AgroConform WorkspaceNew request46,000Seed and fertiliserSugar beet3.8 haSowing in OctoberAccess: credit assessment - 02
Assessment
The credit officer reads three earlier seasons on the same parcel against the bank’s own criteria. ConformScore adds one view of risk on a 0 to 100 scale; it approves nothing.
AgroConform WorkspaceAssessmentConformScore66/ 100Production71Market58Financial63Management74Diversification52Seasons on record3DecidesCredit officer - 03
Disbursement
The officer approves with one condition: a sowing record by 31 October. The money goes straight to the input supplier, and the Decision Receipt is filed with the loan.
AgroConform WorkspaceDisbursementReleased2 October 2025Paid toInput supplierConditionSowing record by 31 OctoberDecision Receipt filed - 04
In-season monitoring
Between the two dates the file keeps reading the parcel. Three changes reach the credit officer as risk signals: a sowing record that never arrives, vegetation that falls below its expected band, a harvest window that moves.
AgroConform WorkspaceSignalsSowing recordReceived 21 OctoberVegetation bandBelow band in FebruaryHarvest windowMoved 10 days later - 05
Harvest
The harvest window slipped from early June to late June. The officer saw it in April, weeks before the instalment, and the delivery record closed the stage on 28 June.
AgroConform WorkspaceHarvestExpectedNowJune 2026Delivery record28 June - 06
Repayment
The instalment lands on 24 July and is booked against the season that financed it, next to the harvest it came from.
AgroConform WorkspaceRepaymentDue31 July 2026Received24 July 2026Repaid in full - 07
Next season
When Applicant 2207 asks again in September, the file opens on four seasons instead of three, this one complete from plan to instalment.
AgroConform WorkspaceRequest 2026-27Seasons on record4CropSugar beet
The decision,
kept with its reasons.
One receipt per credit decision. Purpose, evidence considered, reviewer, reasons and the date the file returns sit on one page, so an auditor or the next officer reads the decision as it was taken.
Purpose
Evidence considered
Reviewer and reasons
Three complete seasons on this parcel. Inputs match the crop plan. Instalment set after the expected harvest.
Next review
- Purpose
What was decided, for which season, and the access the applicant granted for that assessment alone.
- Evidence considered
Only what the officer actually opened, each item with its source and date.
- Reviewer and reasons
A role decides and writes why. The score sits among the evidence, never in the reviewer’s seat.
- Next review
Fixed on the day of the decision, so the file comes back mid-season without anyone keeping a reminder.
Signals,
not verdicts.
Each signal opens on the financed parcel itself: the satellite view, the vegetation curve against what the crop should show at that stage, and the score as it moved.
ConformScore
One input to the review. The credit officer decides.
Vegetation against the expected band
Below band, 1 February to 1 MarchA signal arrives with its evidence.
Dates, parcel and the observation behind it open together, so the officer weighs the cause before calling the applicant.
The score moves. The line does not.
ConformScore is an adaptive 0 to 100 risk score that follows the season. No signal or score changes a credit line by itself; the officer does.
Earlier conversations.
A harvest that slips in April leaves room to agree a new instalment date with the applicant before July, not after.