Field Growth Intelligence · Unlock 01 · Field Foundation

What your loan officers know.
Now visible.

The first capability in Field Growth Intelligence. Built for Farm Credit associations whose loan officers know more than the systems can capture.

ProgramFarm Relationship Intelligence
ProductField Growth Intelligence
Before any of this

What you're already thinking.

01

This sounds like every AI pitch I've heard.

Probably. Read this page skeptically. The two-week proof of concept below is built so you can walk away without consequence.

02

My loan officers won't use it.

Don't take our word for it. The POC measures adoption with your officers, in your environment, before any larger commitment.

03

The ROI math will be inflated.

Pull every assumption toward worst case in the calculator below. If the math still works, the program is worth a conversation.

The Shift

The intelligence has always been there. Now it works for everyone.

Re-typed at midnight.

Captured in five minutes.

Forgotten between visits.

Ready before the next one.

Lost when an officer transitions.

Inherited intact.

Field Growth Intelligence · The Progression

Three capability unlocks. One starts here.

01Active Now

Field Foundation

Capture and structure what the field knows. Make it the association's asset.

↳ The starting pointActive Now
02Locked

Credit & Relationship Intelligence

Route field signals into credit, renewals, and leadership rhythm.

→ Locked until foundation is in placeAvailable After Unlock 01
03Locked

Portfolio & Market Intelligence

Connect borrower signals to portfolio, commodity, and territory dynamics.

→ Locked until intelligence is routedAvailable After Unlock 02
Unlock 01 · The Capability

One capability. Three movements.

↳ 01Movement One

Capture.

Voice-first, mobile-first, in the truck after the visit. No forms. Under five minutes. What the officer learned, captured the moment they learned it.

↳ 02Movement Two

Continuity.

A living picture of every borrower the association serves. Available to any officer who needs it and intact through any officer transition, territory change, or reassignment.

↳ 03Movement Three

Conversion.

Field intelligence converted into completed work. Follow-ups assigned, handoffs routed, the next visit prepped so officers walk into every conversation already in it.

A scene
9:00am
Tuesday · In the field

What you bought, on the day it's working.

9:00am. An officer is on the road to a farm visit and asks the voice agent what's relevant about this borrower. They hear it back as they drive: the borrower mentioned expanding into 200 acres last visit, the son didn't come back to the operation after college, equipment financing was on the table for next spring. The officer walks onto the property already in the conversation not asking questions the borrower already answered six months ago.

10:30am. Walking back to the truck, the officer briefs the visit the way they'd brief a colleague what they saw, what the borrower said about the expansion, the new concern about commodity exposure. Three minutes. They drive on.

By the end of the day, the visit is structured. The borrower record is updated. Three follow-ups are queued with owners. The credit team has visibility into the expansion. The branch manager sees the commodity concern. The next officer who covers this borrower has the full conversation history, structured and ready.

Tuesday afternoon, the CEO opens a leadership view and sees the field visits captured, borrowers with fresh context, growth conversations in motion, stress signals flagged this week. The leadership can finally see the field without asking the officers to do anything they aren't already doing.

↳ That is what was bought.
What It Produces

Four people walk away with different things.

Loan Officer

Less drudgery. More time on the relationship.

  • Voice capture in the truck under five minutes, no forms.
  • Walk into every visit already in the conversation, prepped by the system.
  • Handoffs and follow-ups that do not burn weekends.
  • The relationships you have built, finally backed up by the institution.

CEO

A territory you can finally see.

  • Where the growth is, this quarter, in your own territory.
  • How the team is moving visits, momentum, conversations in motion.
  • Relationship continuity that survives officer transitions.
  • An owned, compounding asset no competitor can replicate.

CFO

A defensible line to the P&L.

  • Loan growth from sharper relationship intelligence.
  • Loss avoidance from earlier-surfaced borrower stress.
  • Operating leverage from officer time redirected to revenue.
  • Quarterly attribution from field signal to credit action.

Member

A lender who knows the operation.

  • Continuity through any officer transition.
  • Growth ideas brought to them, not waited for.
  • Stress points caught early enough to solve.
  • The Farm Credit promise, structurally reliable.
The first thing a CFO will ask

“Why isn't this just a better CRM?”

A CRM

Captures what an officer enters into a form. Tells you what was logged.

Field Foundation

Captures what the officer actually learned the context, the nuance, the signals that don't survive the translation into a form. Tells you what happened in the conversation.

Together

The CRM stays the system of record. Field Foundation becomes the system of intelligence.

Underwrite the investment

Try to break the math.

Pull every assumption toward worst case. Your loan portfolio sets your price and powers the value math same input, both sides so you're not arguing with our model. You're arguing with your own numbers.

Step 01 / Your Portfolio
$1,500M
$100M$10B$25B$40B+
Monthly price$11.2K

per month · adjusts quarterly

Annual cost$134,694

at current portfolio size

As you grow, we grow with you. Scales between $10K/month (at $500M) and $40K/month (at $25B). Recertified quarterly. No tier negotiations.

Step 02 / Your Numbers
Loan officers25
Officers in scope for Unlock 1
Fully-loaded cost per officer$135K
Salary.com base × 1.35
Net interest margin2.40%
FCS systemwide ≈ 2.36%
Loss ratio (net charge-offs)0.10%
FCS systemwide ≈ 0.12%
Step 03 / Impact Assumptions
Officer time on visit-related admin30%
McKinsey: RMs 70%+ on non-dialogue work
Share of admin time recovered25%
McKinsey: 10–12 hrs/week recoverable
Incremental loan growth from sharper intelligence0.25%
Of portfolio · directional, conservative
Losses avoided through earlier intervention3%
Of expected losses · directional, conservative
Step 04 / Year One Impact
Operating leverage
officer time recovered
$253K
Incremental NII
year-one loan growth
$45K
Avoided losses
earlier intervention
$45K
Year 1 Impact$343K
Year 1 Cost$135K
Year 1 ROI2.5×
3-Year Cumulative$1.3M
Built so you can walk

Two weeks to know. Without consequence.

i.

Two-hour Discovery

A working session with your lending leadership and your tech and data lead. What your officers capture today, where it lives across your systems, what's falling through the cracks. No pitch deck.

ii.

Two-day Workshop

A working session that maps your field-to-portfolio flow and your data-to-systems landscape. Output is a prioritized capability plan and an integration plan your team has pressure-tested. If it doesn't make sense to your CIO and your CCO, it doesn't go further.

iii.

Two-week Proof of Concept

Live deployment in your environment, with your officers, your borrowers, your data flowing through a minimum viable integration. The adoption test, the integration test, and the value test. Full integration follows the commitment, not the POC.

$5,000 for two weeks in your environment. Credited back in full if you continue. The cheapest way to find out if your tech, your data, and your officers can support what we're proposing before any larger commitment. Field Foundation runs on a 12-month initial term, then month-to-month with 60 days notice to exit. The price moves only if your portfolio does.

Farm Credit · Field Growth Intelligence

Your loan officers are already in the field.
The intelligence is already there.

The only question is whether you find out in two weeks, in your environment if this captures it or doesn't.