Credit Rescue, Not Just Credit Analysis.
Across ag right now, operating loans are doing work they were never designed to do—covering shortfalls, carrying forward losses, and masking structural problems that haven’t surfaced yet. Most lenders know it.
Few have the tools to help their farmers get ahead of it. Until now.
LENDER PROGRAM
Tilley’s Lender Program turns complex farm risk into clear, credit-ready insights — helping lenders improve their bottom lines.
You already know which borrowers are keeping you up at night.
Tilley shows you why—and how to help—while there’s still time.
The strain usually shows up in the same places. And, when you have the right analytics and unique data, you can see it clearly.
Operating lines masking term debt obligations
ARC/PLC payments not accounted for in cash flows
Equipment debt misaligned with cash flow
Crop insurance underutilized as collateral, not accounting for coverage overlaps
Total revenue obscured by untracked cash sales, options, and futures positions
Financial Scorecard signaling strengths and weaknesses
The Lender’s Edge in Numbers
We modeled a $50M community bank ag portfolio—50 operating loans, 4 expected defaults. Then we ran it through Tilley.
BEFORE TILLEY
Operating Loan Balance – $50,000,000
# of Customers – 50
Average Loan Balance – $1,000,000
Interest Rate – 9.00%
Interest Income Before Defaults – $4,500,000
Expected # of Defaults – 4.00
Loss on Defaults – $4,000,000
Collateral Value – $3,200,000
Net Loss After Collateral – $800,000
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NET RETURN – $3,700,000
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REALIZED YIELD – 7.40%
AFTER TILLEY
Cost of Tilley Program for 25 farmers – ($25,000)
Loss Avoidance (2 defaults prevented) – $400,000
Net Tilley Benefit – $425,000
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NET RETURN WITH TILLEY – $4,125,000
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REALIZED YIELD WITH TILLEY – 8.25%
Actual results may vary and are not guaranteed.
SITUATION RECAP: Community Bank: $50 million portfolio, 50 borrowers, 4 expected defaults
SOLUTION: Tilley Essential for all 20 customers + 5 Premium subscriptions –> $25,000 investment
TAKEAWAY:
ROI of 17X on Tilley investment
$425,000 Net Gain
0.85% Yield Improvement with Tilley on $50M portfolio
Significant bottom-line impact
The Profit Platform that Helps Farms Make Money. Starting with a minimum of $13 per acre or 11X return.
With the Tilley Essential platform at your fingertips, you have the potential to help your farmers uncover profits. And when your borrowers subscribe to Tilley Premium, the potential grows even greater.
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A secure, centralized data vault — insurance documents, FSA documents, year-over-year financials. No more chasing paperwork or working from stale inputs.
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Farm budgets built from university data, then customizable to each operation. The foundation of every credit conversation, always current.
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Payout projections by crop — liquidity insights your loan committee can rely on with verified math.
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Coverage based on risk tolerances, with full visibility into overlapping policies — MPCI, ECO/SCO, ARC/PLC — so insurance proceeds are properly evaluated in every credit decision.
Profit Management Toolkit
This isn’t another what-if dashboard running guesstimates. Tilley integrates each farmer’s actual financial, risk management, and production data with live USDA data and proprietary, intelligent tools— connecting lenders, agents, and grain marketers around a single source of truth that updates as conditions change.
No other profit platform connects every critical farm financial and risk management decision.
Premium
(includes Essential)
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Real-time visibility into what’s sold, hedged, and unprotected—factoring in cash sales, futures, options, basis contracts, FSA payments, and insurance coverage. When you can see a farmer’s full revenue position at any point in the season, repayment capacity stops being an assumption and becomes a real number.
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Consolidated financial reports and scorecard ratings that identify key strengths and opportunities. The documentation your credit committee needs.
Essential
Lender Program
Tilley Subscription
Let’s Talk to Find the Best Plan for Your Borrowers.
From day one, Tilley‘s mission has been clear: help farmers make money so they can farm another day.
But we've always known that mission couldn‘t succeed in isolation.
Farmers don‘t make critical financial decisions alone. They rely on trusted advisors—crop insurance agents, lenders, grain marketers—to guide them through budgets, crop insurance, loan decisions, and marketing plans.
The missing piece? Connecting advisors around their farmer with shared, data-driven analytics—so everyone delivers clarity when it matters most.
That’s what Tilley was built to solve. And we’re the only platform that does it.
One Platform. Single Login. All Your Farmers’ Advisors.
Let us show you.
In a year defined by policy changes, farm bankruptcies, and razor-thin margins, your ability to deliver clarity and peace of mind matters more than ever.
Tilley is your Easy Button for doing just that.