Agricultural loan underwriting software for banks
vishwa.ai spreads Schedule F and farm balance sheets, builds global cash flow across the operation and its owners, and drafts the credit memo.
Documents received
- Schedule F and personal tax returnsSpread
- Entity returns for the operationSpread
- Farm balance sheets, cost and marketSpread
- Projected cash flow and farm budgetSpread
- Bank statementsSpread
Computed for the memo
Exceptions verified by our credit experts
Every figure links to its source line. Your credit team makes the decision.
Sample operation: row crops, 2,400 acres
| Line item | Cost basis | Market value |
|---|---|---|
| Current assets | 1,840,0001 | 2,010,0001 |
| Intermediate assets | 2,350,0001 | 2,780,0002 |
| Long-term assets | 3,900,0001 | 6,450,0002 |
| Total assets | 8,090,000 | 11,240,000 |
| Current liabilities | 1,120,0001 | 1,120,0001 |
| Total liabilities | 3,560,0001 | 3,560,0001 |
| Working capital | 720,000 | 890,000 |
| Debt to asset | 44.0% | 31.7% |
Same rigor, a fraction of the time
With a full audit trail your auditors, examiners, and LPs can inspect.
- Faster deal closure
- 75%
- Reduce time from document intake to credit committee
- Accuracy with expert review
- 100%
- AI extracts, domain experts verify every output
- Audit trail coverage
- Full
- Every decision linked to source documents
The problem
Where ag underwriting loses time
How it works
How vishwa.ai automates it
The analysis
The numbers on the credit memo
Frequently asked questions
Still deciding? Talk to our team.
Can vishwa.ai underwrite agricultural and farm loans?
Yes. Vishwa AI spreads Schedule F, entity returns, and farm balance sheets, builds global cash flow across the operation and its owners, computes term debt coverage, working capital, and debt to asset, and drafts the credit memo.
Which farm ratios does vishwa.ai compute?
The ratios your bank uses, such as term debt coverage, working capital, and debt to asset, computed to your definitions and on cost and market value balance sheets where you need both.
How does vishwa.ai help with seasonal ag renewals?
Each renewal is re-spread on the same template and compared with prior years, so a small credit team can work through the seasonal wall of annual reviews and still see what changed in each operation.
Can vishwa.ai read scanned or handwritten tax returns?
Yes. Borrowers often send phone photos and scans. Our document AI reads them, including Schedules C, E, and F and K-1s, and our experts verify anything the model is unsure of before it reaches your analyst.
Is AI underwriting auditable and explainable?
Yes. Every figure links to the source document and the calculation behind it, so when an examiner, an auditor, or an LP asks how you got a number, you can show them in one click. Vishwa AI applies the same logic to every deal and keeps a complete audit trail, which is usually the part manual spreading cannot reproduce six months later.
How accurate is the extraction, and is there human review?
AI extracts, our experts verify, and your analysts review the exceptions. In practice that turns a multi-day spreading exercise into a quick validation, with people focused on the cases that need judgment rather than re-keying a T-12 into Excel.
Keep exploring
Related
Spread a farm operation on a call
Bring the Schedule F, the entity returns, and the balance sheet. We will build global cash flow and draft the credit memo, with every figure sourced.
