You see the farm twice a year. The season does not wait for either visit.
Annual accounts describe last year. By the time a problem reaches your monitoring, it has usually reached the farm’s cash first. Proof turns operational evidence into a living view, so a change in repayment risk is visible while it can still be fixed.
The same farm, the same season, seen two ways.
The grey line is what a lender sees today: application, accounts, then the payment that does not arrive. The teal markers are what the farm was already recording. Pick a customer and read the months between them.
Not a ranking. A list of what changed, and the evidence that says so.
Filter the book and see which customers have moved since underwriting, in which direction, and why. Every row traces to records. None of it is a score, and Proof will never produce one.
These are observations, not judgements. Proof surfaces what changed and the records behind it. Whether that changes the lending decision is yours, and it always will be.
Six questions about a growing asset. Answered from the record, not the phone call.
Land is stable. Crops, stored produce and equipment change in quantity, condition and value all season. This is one customer’s standing crop, as the record holds it today.
Annual accounts arrive in February describing a season that ended in September. The crop that will repay you is already in the ground, and nothing in the file describes it.
You are underwriting this year against last year’s evidence.
Two farms, same acreage, same turnover, same margin on paper. One has diverse cropping, current insurance and three buyers. The other has one buyer and a lapsed policy.
Without operational evidence, both get the same assumptions, and one of them is wrong.
The first hard signal in traditional monitoring is a missed payment. By then the options that would have worked in June have gone.
Late visibility does not just cost recoveries. It costs good customers.
Earlier warning
Months, not missed payments
A deviation between what was financed and what was planted, an unlogged key operation, a contract that thinned: each is visible when it happens. Restructure in June, not in receivership in March.
Release against evidence
Money moves when the event is logged
Drawdowns fire against recorded operations rather than paperwork. In the demo book, £1.84m released against logged events in a quarter and £0 against a promise, with every gate naming its one missing item.
Defensible files
Green lending that survives an audit
Sustainability-linked conditions evidenced by what actually happened on the funded farm, exported as an audit pack from the same records your relationship managers use daily.
Your best customers are the ones this helps most.
The farmer’s complaint is fair. “The bank sees last year’s numbers, not the quality of the operation I am running today.” A well-run farm currently gets no credit for being well run. Evidence changes that, and the good operators know it first.
Sharing is a decision, not a condition. The farm grants access for a purpose, for a period, and can withdraw it. Logged on both sides. Nothing arrives that the customer did not release.
A gap is a named gap. Where a record is missing, the view says which one, visible to both of you. Absence is never scored as risk by Proof, and the customer can close it in an afternoon.
Proof never produces a credit score, a risk rating or a ranking of farms, for you or anyone, and never will. It shows what changed and the records behind it. Access is limited to the facility purpose, granted by the customer and logged on both sides. A missing record is a named gap, never an inferred negative. Records cannot be edited to flatter, by either party.
Proof draws no verdict. It holds the record.
“Why would a borrower agree to this?”
Because the same records answer their buyer, their insurer and their scheme claims, and because the alternative is being assessed on assumptions. Farms that are running a good operation want you to see it. The ones that do not share are telling you something too, and the file records that as an absence rather than an accusation.
“Does this replace our credit process?”
No. It gives your existing process something it has never had: current operational evidence between the two points where you see the customer today. The judgement stays entirely with your people, which is also why Proof refuses to hand you a number that looks like a decision.
“What proportion of a book would actually be recording?”
Fewer than you would want on day one, and we will show you honest numbers on the call. The pattern that matters is visible from the first cohort: recorded customers surface problems earlier and cost less to monitor, and that gap is the business case long before the whole book is covered.
Proof is working with a first group of agricultural lenders through the 2026 season. There are no testimonials on this page, because we would rather earn real ones than write our own. Early lenders shape what evidence a facility can reasonably ask for, which is a standard their market will inherit.
Bring one file that surprised you.
20 minutes. We will walk that season as a record and show you where the first honest signal was, how many months before your first hard one, and what you would have been able to do with the difference.