Line Watch
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Agricultural credit workflow

From first file to final payout.

Line Watch runs agricultural credit from application through renewal in one connected record.

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Our mission

Built for the credit behind American agriculture.

We started with agricultural retail credit because it is one of the most complex—and most consequential—forms of commercial credit. Yet the teams financing each season still piece together risk across spreadsheets, financial statements, crop plans, account histories, and institutional knowledge.

We’re building a living credit intelligence layer that brings the whole account together, helps experienced teams act with greater confidence, and keeps capital moving to the farmers and agricultural businesses that feed America.

The full credit workflow

One credit record across every stage.

Start with the application. Carry the same evidence and reasoning through documents, agricultural analysis, decision, monitoring, and renewal.

  1. Application & Account

    Open the request, collect borrower and entity details, track required information, and carry the same record through underwriting and renewal.

    Explore Application & Account

  2. Documents

    Accept mixed files, read the complete packet, and surface missing or conflicting information without rekeying every document.

    Explore Documents

  3. Agricultural Analysis

    Apply consistent financial calculations in agricultural context: repayment capacity, seasonality, commodity economics, and work-in-progress assets.

    Explore Agricultural Analysis

  4. Credit Decision

    Apply your criteria to the full account and return a recommendation, rationale, risks, conditions, missing information, and next actions for lender review.

    Explore Credit Decision

  5. In-Season Monitoring

    Keep the decision, calculations, documents, conditions, and team history current as the season and account change.

    Explore In-Season Monitoring

  6. Portfolio

    See every account by location, status, missing information, exposure, and review priority, then open the exact item that needs attention.

    Explore Portfolio

How it works

One credit record. The same discipline at every review.

  1. Evidence

    Account records, applications, workpapers, statements, crop plans, and supporting documents.

  2. Credit logic

    Consistent calculations, lender policy, agricultural context, and missing-input controls.

  3. Decision

    Recommendation, rationale, risks, conditions, and next actions—ready for lender review.

Evidence, calculations, and decisions stay on the same record. Your team controls the final credit decision.

Why agriculture

Built around the season, not around a generic loan file.

Agricultural credit follows an operating cycle and a borrower relationship. The platform reads each account in that rhythm: what the operation needs, what is committed, what is in progress, what comes back, and what carries into renewal.

  1. Planningseasonal need
  2. Plantinginputs committed
  3. Growingwork-in-progress crops
  4. Harvestproceeds and repayment
  5. Payoutcarryover and renewal context

Across the portfolio

See what needs attention across the entire book.

Move from the portfolio to the exact account, document, calculation, or follow-up that needs attention without losing the agricultural and relationship context around it.

North Fork Growers CooperativeDemonstration book

Group by

Grouped by location

Cedar Draw1 account

  • Coulee Bend AcresCedar DrawCurrentCompleteScheduled

Willow Fork3 accounts

  • Long Furrow PartnershipWillow ForkUnder reviewCompleteThis week
  • Wolf Creek AgWillow ForkCurrentCompleteScheduled
  • Meadowlark PartnershipWillow ForkCurrentCompleteScheduled

Sand Creek2 accounts

  • High Prairie FarmsSand CreekCurrentMissing informationScheduled
  • North Ridge Family FarmsSand CreekCurrentMissing informationScheduled

Big Slough2 accounts

  • Elm Hollow Land & CattleBig SloughWatchMissing informationNow
  • Bluestem Seed & GrainBig SloughCurrentMissing informationScheduled

Eight accounts of a demonstration book. The complete book, the account behind each row, and its position open in Explore Portfolio.

Your process. Your criteria. Your decision.

  • Works with the records, forms, and account structure your team uses.
  • Keeps calculations and source information available for review.
  • Makes missing, conflicting, and changing information clear.
  • Keeps the final credit decision with the lender.

FAQ

What is the platform?

It is a credit workspace for agricultural lenders that brings the complete borrower record into one place for application, decision, monitoring, and renewal.

Who is it built for?

It is built for agricultural lenders managing seasonal credit and long-term borrower relationships.

What information can it work with?

Account balances and limits, sales and payment history, Financial Statements, Crop Plans, supporting documents, relationship context, and the lender's own credit criteria can all contribute to the account view.

Does it replace our existing system or forms?

The platform brings together information from the systems, records, and documents your team already uses, so applications, decisions, monitoring, and renewals run through one credit workflow.

What happens when account information changes?

The product is designed to keep calculations, missing-information checks, and account analysis current as approved source information is added or updated.

Can it reflect the way our team evaluates credit?

Yes. The operating model separates consistent financial calculations from institution-specific policy and whole-case judgment, allowing the workspace to reflect both sound credit discipline and the realities of the lender's agricultural book.

Who makes the final credit decision?

Your credit team does. The platform assembles the account, performs consistent analysis, and presents a clear direction and rationale for lender review.

Can it work across our full account book?

Yes. The workspace is designed to organize the portfolio by location and account context while preserving a complete, individual credit file for every customer.

How do we get started?

Start with a working session using your account structure, forms, and review workflow. The goal is to show the product on the credit book your team actually manages, not on a generic sales dataset.

Bring us one account. See the entire workflow.

We’ll show how your team can move from application to decision, in-season review, and renewal in one platform.

Book a demo

Explore

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01of six capabilities

Application & Account

Four separate sources become one navigable account, and the information the account still lacks stays in view instead of disappearing into a form.

  1. Credit limit, current exposure, and the last payment, straight from the account book.

  2. The Financial Statement and the Crop Plan join the position without being retyped into one rigid template.

  3. Supporting documents, relationship history, entity, and guarantors complete the file.

  4. What the account still needs stays visible until it arrives.

Tallgrass Bend Farms

DEMO-0417 Under review Synthetic demonstration account

Position

Credit limit
$1,850,000
Current exposure
$1,203,400
Last payment
$148,500 12 Aug 2026
View complete position

Current Account Position as of 28 Aug 2026

Credit limit
$1,850,000
Current exposure
$1,203,400
Available credit
$646,600
Utilization
65.0%
Season sales to date
$1,462,300
Last payment
$148,500 12 Aug 2026
Past due
No past-due balance
Carryover from prior season
$96,200

From the account book

  • Account record28 Aug 2026Account book, Cedar Draw location

Limit, exposure, sales and payments come from the cooperative’s own account book, read as kept.

Statements on file

  • Financial Statement15 Feb 2026Financial Statement, fiscal year 2025
  • Crop Plan2 Mar 2026Crop Plan 2026 Uncertain

Balance sheet and income statement as submitted by the customer. Crop Plan 2026: acres and crop mix received; yield assumptions not yet provided.

Read as submitted, in the customer’s own layout.

Supporting documents

  • Supporting document10 Apr 2026Crop insurance schedule 2026

Insured acres by crop and coverage level.

Relationship

Seasons on the book
9
Primary location
Cedar Draw
Entity
General partnership
Guarantors
Two general partners, joint and several
Review due
18 Sep 2026

Missing information

  • Missing Crop Plan yield assumptions (2026). Projected crop margin and repayment capacity cannot be finalized.

Conflicts

  • Planted acres in the Crop Plan exceed the acres on the crop insurance schedule by 140 acres.

Waiting on it

Projected crop margin
Pending

The blank stays a blank. Nothing is estimated on the customer’s behalf, and the missing input stays in view until the figure arrives.

02of six capabilities

Documents

A mixed packet arrives as a PDF, a spreadsheet, a scan, and a platform template, and the workspace reads it whole, organizes it, and says plainly what the documents do not settle.

  1. A Financial Statement as a PDF, a Crop Plan as a spreadsheet, a scanned insurance schedule, and the account record from the platform template.

  2. The workspace is built to classify each document and place it with its account, whatever its format.

  3. Material facts and narrative context are read across the documents, not retyped field by field.

  4. What the documents do not settle is marked, never guessed.

  5. Position, statements, context, and analysis carry the new information forward.

Tallgrass Bend Farms

DEMO-0417 Under review Synthetic demonstration account

Inbox

Four documents, four formats, uploaded together. The workspace is designed to read them as they arrive, with no renaming or splitting first.

Organized by source

  • Account record28 Aug 2026Account book, Cedar Draw locationTemplate
  • Financial Statement15 Feb 2026Financial Statement, fiscal year 2025PDF
  • Crop Plan2 Mar 2026Crop Plan 2026Spreadsheet
  • Supporting document10 Apr 2026Crop insurance schedule 2026Scan

Read across the packet

  • Balance sheet and income statement as submitted by the customer.
  • Crop Plan 2026: acres and crop mix received; yield assumptions not yet provided.
  • Insured acres by crop and coverage level.

Sourced facts

Planted acres Crop Plan 2026
4,180
Insured acres Crop insurance schedule
4,040
Working capital Financial Statement
$523,400

Missing information

  • Missing Crop Plan yield assumptions (2026). No figure is filled in on the customer’s behalf.

Conflicts

  • Planted acres in the Crop Plan exceed the acres on the crop insurance schedule by 140 acres. Both figures stay visible until the team reconciles them.

What changed in the account

Statements
Financial Statement 2025 on file; Crop Plan 2026 partial
Context
Crop insurance schedule linked
Analysis
Projected crop margin pending
Team
Note opened: reconcile planted acres

03of six capabilities

Agricultural Analysis

Deterministic calculations meet the season here, one primary measure per stage, with work-in-progress crops and missing inputs kept distinct from a genuine zero.

The workspace understands the operation behind the account:

  • growing and work-in-progress crops
  • seasonal operating needs
  • crop mix, acreage, price, yield, and margin
  • repayment and payout timing
  • carryover balances and utilization
  • customer sales and relationship history
  • guarantor and entity context
  • location-specific account books
  • missing inputs that materially limit a conclusion
View calculations

Financial position and repayment, fiscal 2025

Repayment capacity
$486,000
Working capital
$523,400
Current ratio
1.62
Debt to asset
0.41
Projected crop margin Uncertain
Pending
Planning
Dec–Feb
Requested line
$1,850,000
Seasonal need
Inputs for corn, soybeans, and winter wheat
Supporting measures
Planned acres4,180
Input budget$1,320,000
Planting
Mar–May
Line drawn to date
$684,000
Inputs committed
Seed, fertilizer, and crop protection applied
Supporting measures
Acres planted4,180
Prepay applied$210,000
Growing
Jun–Aug
Exposure
$1,203,400
Work-in-progress crop
Corn, soybeans, and winter wheat in the field
Projected crop margin
Missing yield assumptions
Supporting measures
Utilization65.0%
Crop conditionGood; 2% soybean replant
Crop economics, 2025 actuals, example values
CropAcres2025 price2025 yield2025 margin / ac
Corn2,150$4.35192$118
Soybeans1,560$10.6056$96
Winter wheat470$5.8068$42
Harvest
Sep–Nov
Harvested acres
4,180
Proceeds and repayment
Deliveries settle against the line as grain moves
Supporting measures
Delivered bushels412,000
Exposure$1,118,000
Payout
Nov–Jan
Payments received
$1,240,000
Past due
No past-due balance
Supporting measures
Carryover$96,200
Utilization5.2%

Example values for a synthetic account. Not a forecast.

04of six capabilities

Credit Decision

The whole account, read against the cooperative’s own criteria, becomes a credit direction with its rationale, risks, conditions, and next actions for the lender to decide on.

Tallgrass Bend Farms

DEMO-0417 Under review Synthetic demonstration account

Credit decision direction

Renew the seasonal line at the current limit, with conditions.

  • Utilization sits inside the cooperative’s seasonal range for a grain operation of this size.
  • Payments are current, with the last payment received in August.
  • Fiscal 2025 statements show working capital adequate for the 2026 input budget.

Strengths

  • Consistent payment history across nine seasons on the book
  • Diversified crop mix across corn, soybeans and winter wheat
  • Working capital adequate for planned inputs

Risks

  • Carryover balance from the prior season
  • Projected margin depends on yield assumptions not yet provided

Conflicts

  • Planted acres in the Crop Plan exceed the acres on the crop insurance schedule by 140 acres.

Missing information

  • Missing Crop Plan yield assumptions (2026). Projected crop margin and repayment capacity cannot be finalized.

Recommended conditions

  1. Receive the 2026 Crop Plan yield assumptions before the first draw of the season.
  2. Reconcile planted acres between the Crop Plan and the crop insurance schedule.
  3. Review the carryover balance against the payout schedule after harvest.

Next actions

  1. Request the 2026 yield assumptions from the customer. Credit analyst
  2. Reconcile planted acres against the crop insurance schedule. Account manager
  3. Schedule the renewal review for 18 Sep 2026. Credit manager

Decision stays with the lender

Grounded in the account’s own calculations: repayment capacity, working capital, current ratio, debt to asset, and utilization. The projected crop margin waits on the 2026 yield assumptions. See the calculations in Agricultural Analysis.

05of six capabilities

In-Season Monitoring

When a Financial Statement or a Crop Plan changes, the calculations and the analysis refresh, and the team sees the change with the account it belongs to.

A credit file that changes when the account changes.

The workspace is designed to keep the account current as information changes.

  1. a Financial Statement is updatedWorking capital and current ratio recalculated
  2. a Crop Plan changesUncertain Projected crop margin marked uncertain until yield assumptions arrive
  3. a supporting document is addedCrop insurance schedule linked; acreage conflict flagged
  4. a lender leaves a noteOpen Note opened on DEMO-0417: reconcile planted acres
  5. calculations refreshAvailable credit and utilization recomputed from the account book
  6. the account analysis is reevaluatedDirection, rationale and conditions rewritten against the new file
  7. the team sees what changedChanges visible to the team, with the account

Keep the credit conversation with the account.

Capture questions, observations, and requested improvements where the work happens. Keep account context visible and reduce the delay between what the team notices and what gets addressed.

Team Feedback

Account · DEMO-0417

  1. Open
  2. Working
  3. Resolved

Planted acres on the Crop Plan do not match the crop insurance schedule. Confirm which figure is current before renewal.

Credit analyst · DEMO-N-118

History

  1. 19 Aug 2026Opened by the credit analyst
  2. 21 Aug 2026Account manager contacted the customer
  3. 26 Aug 2026Customer confirmed 4,180 planted acres; schedule to be updated

Team Feedback

General

Resolved

Add the payout schedule to the renewal checklist for every grain account.

Credit manager · DEMO-N-097

History

  1. 30 Jul 2026Opened by the credit manager
  2. 4 Aug 2026Marked Working: checklist draft in review
  3. 11 Aug 2026Resolved: checklist updated for the 2026 renewal cycle

06of six capabilities

Portfolio

The complete book of a demonstration cooperative regroups by location, status, exposure, utilization, missing information, and review priority, then opens into one account.

North Fork Growers CooperativeDemonstration book

Group by

Grouped by location

Cedar Draw3 accounts

Willow Fork3 accounts

Sand Creek3 accounts

Big Slough3 accounts