Traditional loan evaluation methods are not able to thoroughly and timely assess agricultural loan applications. This is a major challenge that smallholder farmers face when trying to access finance from a formal financial institution.

Financial institutions need to invest in establishing internal agricultural teams and in generating farm-specific data to realize the market potential in agricultural lending. This is not an easy process without having any automation.

ALES, or the Agricultural Loan Evaluation System enables financial service providers to expand their agricultural lending in a low-risk, cost-effective, and faster way. This is achieved by automating the credit assessment process through an efficient and standardized scoring of agricultural loans.

ALES utilizes tech cards, a resume for each agricultural product depicting costs and income for each activity implemented for growing a specific crop, in order to incorporate regional updated agronomic data. This database helps to transform farm production data into financial figures for each region and for each crop or animal farming type in line with its production cycle and cash flow.

Loan Officers can quickly generate an income statement for applicants, without the need for any type of agronomic expertise beforehand. To convert regional data into a farm’s specific income statement, a series of questions are answered by the farmer. These questions assess the quality and productivity of the farm, as well as contributing towards the development of a more precise calculation.

ALES allows the back-office to swiftly and easily modify the products and parameters, allowing for a wide variety of agricultural parameters and loan products.

Thanks to the user-friendly interface of ALES, tailored reports for portfolio analyses can be filtered and generated.

With a one-time setup, ALES can be installed centrally for the use of multiple financial institutions, or it can be installed separately for a financial institution, available in multiple languages.

ALES supports both cloud use and on-premise use. ALES can integrate with peripheral systems such as Core Banking Systems or credit bureaus for additional automation of the loan assessment process.

Since ALES is designed in line with global banking regulations and policies, it ensures data integrity, risk control and the monitoring of measures.

Now it’s time to get started with ALES to strengthen your agricultural lending capacity!

Following your submission of demo request, we contact you within 1 business day and setup a meeting to understand your needs, provide brief information about ALES and a short demonstration through web-based tool. Credentials for the demo version of ALES is also being provided after the meeting in case you want to go over the functionalities by yourself for further thoughts.

We discuss your expectations and needs in agricultural lending and determine priorities for implementation in line with your strategic plans and objectives.

A time plan is constructed together once you decide on ALES. Implementation team will be appointed with clearly defined roles and responsibilities to build the best tool for your needs.

ALES utilizes regional farming data in its loan calculations. We thoroughly analyse available data sources in the regions you are operating. Our experienced local and international agricultural experts will be mobilized for collection and analysis of data in detail.

ALES is a modular software and supports customisation capabilities to a high extent. For your tailor-made ALES tool, we analyse your functional and technical needs and requirements, regional regulations, agricultural practices and institutional capabilities including integrations with your existing software and databases. We implement these customisations with our experienced IT experts and deploy the tailor-made ALES in live servers, cloud or on premise based on your preference.

ALES user and administrator manuals are prepared after all changes and developments are applied in your ALES. A training needs assessment is also being applied to discover your needs in agricultural loans marketing, lending and monitoring. For sustainability, a training of trainers (ToT) ensures the know-how transfer beyond the scope of ALES development and implementation.

After initial deployment and throughout the maintenance period, we support you for a close ALES monitoring with the shortest response time enabling a smooth transition to the new system for your network.