Automate your ag loan processing. Grow your profits.
From the family farm to large agribusiness enterprises, WebEquity is the only solution you need to automate loans for every agricultural customer you have. While saving time and effort, you’ll be managing your credit quality more effectively – and creating a healthier bottom line.
Perform summary or in-depth credit analysis. Make better decisions.
We’ve built our software with more than a quarter century of Ag experience, along with definitions and calculations to help you measure the financial performance of farmers and ranchers. Now you can thoroughly assess credit worthiness using built-in functionality that accommodates the full range of variances within the agriculture industry. Features like these help you address each situation in your portfolio:
Financial Spreads and Analysis for gaining detailed knowledge about your customer's credit requests:
- Unlimited Balance Sheets (Actual & Pro Forma)
- Market Value, Adjusted Market Value or Market Cost Options
- Unlimited Income Statements (Actual & Projected)
- Statements of Owner Equity and Cash Flows
- Farm Financial Standards Ratios
- Cash & Accrual Analysis
- Enterprise Analysis
- Consolidations
- FICO™ Scorecard Connectivity
- FSA Guaranteed Loan Forms (Includes Interest Assistance)
- Summary and Detailed Reports
- Much more!
Credit Presentations Are totally configurable to the way you want to see your loans presented:
- They contain all the supporting information needed for proper decisions
- Decision makers can simultaneously access the forms via the Web to accelerate approvals
- Attach documents and photos to the borrower’s file for a professional presentation
Risk Ratings based on the criteria you choose
- Customize your credit scoring and rating models
- Use objective and/or subjective criteria
Automated Sensitivity Analysis and Stress Testing
- Provides both pre- and post-approval stress testing using one software system to keep a pulse on your real risk exposure
- Our Risk Management Dashboard provides an automated, consistent way to monitor and assess the risk in your loan portfolio. You'll gain vital knowledge about the concentrations of your loan portfolio and its intrinsic risk factors:
- Risk-Loan Overview
- Risk Concentrations
- Sensitivity Analysis
- Stress Testing
Monitor and proactively control risk.
- Alerts Help keep you on top of all necessary post-approval tasks:
- Updating annual income statements and crop or livestock inventories
- Monitoring covenants
- Inspecting collateral
- Performing annual property appraisals and collateral reviews
- WebEquity keeps a complete record for you, your auditors and regulators
Schedule a Demo of WebEquity and see how it simplifies all your agricultural loan activities.
