Empowering Agricultural lenders with automated monitoring, margining, and borrower reporting — all across one trusted platform.
Agricultural lending isn’t commercial lending with tractors. Seasonal cash flows, multi-entity structures, and cross-border operations create complexity that generic platforms — and spreadsheets — can’t handle.
Covenant values change month-to-month. Manual reviews can’t keep pace with planting and harvest cycles.
Crop and livestock values fluctuate with markets. Properly secured in April can mean over-extended by September.
Borrowers self-report commodity values. Without automated cross-checks, inconsistencies go undetected.
USDA compliance and seasonal borrowing bases require systematic processes—not spreadsheets.
SAFEGUARDING
Track crop and livestock collateral values across your entire ag portfolio in real time.
AUTOMATING
A/R, inventory, and commodity margining. Seasonal resets every crop cycle. Flags over-advances before they’re drawn.
DETECTING
Detect anomalies in borrower-reported ag data. Flags inconsistencies against historical trends automatically.
SIMPLIFYING
COVERAGE
Purpose-built for the full spectrum of agricultural lending.
Seasonal operating lines, planting-to-harvest cycles, commodity borrowing bases, crop insurance tracking
Head-count collateral monitoring, market price tracking, livestock A/R margining
LTV (loan-to-value) monitoring, and rural property insurance tracking
Support complex and cross-border corporate structures --
Trend depreciation tracking, and equipment collateral across multiple assets
Multi-jurisdiction-specific covenant tracking, muti-currency collateral documentation, and regulatory compliance.
EARLY WARNING
Cross-default triggers, dilution, seasonal cash-flow stress. See how each one surfaces earlier.
RESULTS
OPERATIONAL IMPACT
RISK & COMPLIANCE
MEMBER & PRODUCER EXPERIENCE
FOR EVERY STAKEHOLDER
Automate seasonal renewals, borrowing base calculations, and margining certificate collection. Spend more time with producers.
Portfolio-level dashboards, examiner-ready documentation, and monitoring processes that scale as your ag book grows.
Consistent monitoring, automated early warning alerts, fraud detection, and a complete audit trail across every ag lender.
API and SFTP integration, SOC 2 certification, and structured data feeds that fit your existing core banking architecture.
Whether you sit on the credit committee or run the annual reviews — see the view built for your role.
Agricultural lending operates on production cycles, not fiscal quarters. Covaleyo supports seasonal covenant frequencies alongside standard options (monthly, quarterly, semi-annual, annual, triennial). You can apply different frequencies to different covenants within the same loan, so your monitoring intensifies during high-risk periods like harvest and relaxes during stable seasons.
Yes. Covaleyo tracks real-time commodity prices for grain, livestock, and other ag commodities, with automatic borrowing base recalculation as prices change.
Covaleyo supports multi-currency borrowing base calculations (USD and CAD) with exchange rate management. Borrowers can submit data in either currency, and the system applies appropriate rates with full audit trail.
Covaleyo’s Upload Assistance lets you take any borrower Excel file and convert it into validated, standardized financials. The system catches borrower math errors automatically (stated vs. calculated validation).
Yes. Covaleyo includes a borrower portal where ag borrowers can submit financial statements, commodity inventory, and warehouse receipts. They see real-time status of their submissions.
Regulatory examinations require evidence of systematic monitoring. Covaleyo maintains complete audit trails of every action: document received timestamps, processing actions, ratio calculations, covenant compliance results, lender adjustments to borrowing base, commodity price changes, and publication history. The 4-stage covenant review workflow (Receive → Process → View → Publish) ensures consistent process documentation across all borrowers.
Connect With an Expert
Tell us a little about your operation and we’ll set up a walkthrough built around the way your ag book actually works. No prep required.