Integrated CRM and Loan Platform
For a regional agricultural lender serving family farms
- The problem
- Five systems, and the same names and numbers keyed into all of them. Leads on a project board, applications as loose PDFs and spreadsheets, underwriting in one enormous workbook, and loan documents produced by a licensed desktop program sitting on a rented server that connected to nothing. Lien searches bought one at a time. Their own estimate was that 95 percent of promissory notes are identical loan after loan.
- What we built
- The workbook rebuilt as a credit memo you can actually use: balance sheet, income and expense, cash flow, crop plan, collateral, risk rating, and a roll forward into next year rather than a fresh copy of last year's file. Loan setup with parties, terms and disbursement. Documents generated from their own uploaded Word masters.
- Where it stands
- Two details earned their keep. The merge never retypes licensed text, so the master file is immutable and a merge that fills nothing throws rather than printing a placeholder onto a signed note. And payments solve against the real calendar rather than a textbook formula: on their own example the first period ran 119 days, and the shortcut was off by $121.