Agriculture
Help farmers, ranchers, and agribusinesses access capital faster while giving your lending team better visibility into seasonal cash flow, collateral, production cycles, and repayment risk. Lama AI streamlines agriculture lending by automating borrower intake, financial analysis, collateral review, decisioning, closing, and ongoing monitoring so lenders can support agricultural borrowers with less manual work.
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Frictionless Intake.
Don't let paper-heavy applications, scattered farm records, and endless document requests slow down qualified borrowers. Lama AI provides a sleek, mobile-responsive application experience with smart data pre-fill, guided workflows, and a secure client portal that helps agricultural borrowers submit loan requests with less friction.
Applicants can provide borrower details, ownership information, farm or business profile, requested loan amount, use of funds, acreage, crop or livestock information, equipment details, collateral information, production history, and supporting documents in one organized workflow.
Automated Cash Flow & Farm Financial Analysis.
Underwrite agricultural borrowers with a clearer view of seasonality, operating cycles, and repayment capacity. Lama AI gives applicants flexible ways to share financial data, including bank account connections through Plaid, accounting software integrations, or manual uploads of tax returns, financial statements, bank statements, farm operating records, crop schedules, livestock inventories, equipment lists, and borrowing base information.
Whichever path they choose, Lama AI automatically parses, normalizes, and analyzes the data, transforming financial records and farm documentation into clear insights on cash flow, revenue seasonality, input costs, operating expenses, debt obligations, working capital needs, repayment capacity, and historical performance.
Auto-Decisioning and Structure Recommendations.
Move agriculture loan applications through credit review faster while keeping your lending policy fully under your control. Lama AI embeds your eligibility rules, risk appetite, borrower requirements, collateral criteria, advance-rate logic, loan-to-value thresholds, operating cycle assumptions, renewal requirements, and approval workflows directly into the process.
The platform generates instant risk grades, approval recommendations, structure guidance, and loan amount suggestions based on borrower profile, production history, crop or livestock mix, collateral value, seasonal cash flow, leverage, repayment capacity, and your institution's unique underwriting criteria.
Whether you automate straightforward requests or route larger, seasonal, or exception-based facilities to a human-in-the-loop review, Lama AI helps your team make faster, more consistent agriculture lending decisions.
Automated Closing & Funding.
Turn approved agriculture loans into funded facilities without back-office delays. Once a request is approved, Lama AI orchestrates the closing workflow automatically, generating required agreements, routing documents for e-signature, tracking final conditions, and pushing approved loan data via API into your core or lending systems.
The platform can help structure the facility with approved loan amounts, collateral requirements, borrowing base controls, disbursement conditions, renewal dates, insurance requirements, and required documentation so the loan is ready for funding with stronger operational control.
Ongoing Monitoring & Renewal Support.
Agriculture lending does not end at funding. Lama AI helps lenders monitor borrower performance, collateral changes, seasonal activity, and renewal requirements throughout the life of the loan.
The platform can help track updated financials, crop or livestock inventories, borrowing base certificates, insurance documents, collateral reports, covenant requirements, and upcoming maturities. Your team gets better visibility into changing risk conditions and fewer manual follow-ups during renewal season.
From application to funding to renewal, Lama AI helps agricultural lenders reduce cycle times, improve borrower experience, and manage seasonal credit risk with less manual work.
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Credit assistant guiding underwriters.
Equip your credit team to decide smarter and faster. A context-aware and explainable AI assistant compiles insights, researches deals, and generates policy-aligned credit narratives in seconds.
Works with the systems you already trust.
With a RESTful API architecture, Lama AI connects seamlessly to your existing stack, including core systems, risk models, verification layers, SoS, E-Tran, and more. Benefit from 100+ pre-built integrations and a frictionless way to add new ones, enhancing operations without disruption or complexity.
All the LOS capabilities, out of the box.
Skip the lengthy implementations and go live fast with plug-and-play functionality ready from day one. When you’re ready to make it fully yours, Lama AI’s configurability enables 100% customization across workflows and processes—in just 3 weeks.
Enterprise-grade security.
Protect your data and your customers’ trust with built-in compliance and bank-level safeguards. Lama AI is SOC 2 Type 2 certified and CCPA/CPRA compliant. With 256-bit AES encryption, role-based access, and SSO support, only the right people have access at every step.
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GenAI at your service.
Draft borrower follow-ups, updates, and requests without the hassle. Ready for review and send, your team skips the busywork, reduces time to complete each package, and builds better relationships.
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