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Bankbarn Score

First Name

Last Name

Phone

Email

Current Assets (as of today's date)

Include cash, receivables, feed, crops on hand, and livestock you plan to sell within the next year.

Total Assets (as of today's date)

Include Current Assets plus production livestock, equipment, retirement accounts, real estate and any other long term assets.

Current Liabilities (as of today's date)

Include the balance on credit cards, operating loans, payables, and term loan payments due within the next year.

Total Liabilities (as of today's date)

Include the balance on credit cards, operating loans, payables, and term loan patments due within the next year.

Consumer Credit Score

Gross Farm Income

Your annual farm income before expenses.

Non-Farm Income

Include spouse/partner income and other income earned off the farm here.

Gross Farm Operating Expenses

Total annual farm expenses, not including loan payments or equipment purchases.

Financing Amount Request

How much financing are you requesting?

Understanding your score

Debt to Asset Ratio

Debt to Asset Ratio compares your total debts to total assets and is a measurement of leverage, or the proportion of your assets that are owned by creditors.

Working Capital to Operating Expenses Ratio

Working Capital to Farm Operating Expenses measures how much of your operating expenses you could cover if you were to have no revenue or cash flow.

Operating Expense Ratio

The Operating Expense Ratio compares your operating expenses to your operating income indicating how much your operation is spending to generate income or its operating efficiency. The lower the percentage, the better.

Current Ratio

Current Ratio measures liquidity or your ability to pay debts due within the next year with assets expected to become cash within the same time period. Ideally, your Current Ratio is at least 1.0, meaning you have enough Current Assets to pay your Current Liabilities.

Gross Farm Income to Liabilities Ratio

Total Farm Income to Total Liabilities Ratio measures the ability of your operation to meet its debt obligations in the long term, or its solvency. A higher ratio indicates a better ability to repay.

Credit Score

A prediction of your credit behavior, such as how likely you are to pay a loan back on time, based on information from your credit reports.