Farm Cash Flow Stress Testing demo
Ask what a price drop, a short crop or a higher rate does to this farm's repayment, and see the answer worked out from its own numbers. 1:12
What the demo shows
A stress test solution for ag lenders that shows how price, yield or rate shocks hit repayment.
Each farm's cash flow for the coming year sits on faders — corn, soybean and calf prices, yields, input costs and the interest rate — built by agents from its own spreads, crop plan, insurance and debt. Move one and repayment and working capital redraw as a curve, with the exact price where this farm stops repaying marked on every fader; the officer saves the scenario to the credit file and signs a cited note for committee.
Transcript
- Farm Cash Flow Stress Testing shows AG lenders exactly where a farm stops repaying.
- Agents build Voss Family Farms from its own acres, insurance and debt — 1.43 on plan.
- The corn fader already marks where it stops repaying — 3.90.
- Corn drops 15 percent, the curve crosses below one, and crop insurance holds the floor at .69.
- nine. Aaron saves it to the credit file.
- Albrecht runs cattle with no cover on calves, no floor, and it stops repaying below $303.
- In the bank's downside, Voss reads 0.47, so Aaron asks the assistant for conditions.
- She signs the note for committee, stress tested in under a minute with the working shown.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.