For AG Lenders & Loan Officers
We De-Risk Your AG Loans.
We help lenders turn bad loans good and make good loans better — increasing retention, loan volume, and giving you confidence to lend.
We don't do the loans. We help you do more loans.
The Problem
Farm Income Is Under Daily Attack. Your Loan Book Feels It.
Commodity prices swing. Yields fluctuate. Weather doesn't cooperate. And your borrowers are exposed — which means your portfolio is exposed. You're left choosing between passing on a deal or approving a loan that keeps you up at night.
Volatile Commodity Markets
Geo-political shifts, supply/demand swings, and government interventions move prices daily — and your borrower's ability to repay moves with them.
Unpredictable On-Farm Risk
Fluctuating yields, input costs, weather events, and crop mix decisions create income uncertainty that's hard to underwrite.
Lost Deals & Borrower Churn
Without a clear risk picture, good deals get declined and good borrowers walk to a lender who says yes.
How It Works
Four Vehicles. One Outcome: Safer, Bigger Loan Books.
We plug into your lending process with proven risk management tools.
Hedging & Risk Analysis
We help borrowers offset commodity price volatility with futures, options, and OTC strategies — so their repayment ability doesn't depend on tomorrow's market.
Crop Strategy
Tailored plans that maximize revenue potential and reduce downside exposure across crop insurance, government programs, and marketing decisions.
Future Projections
Forward-looking income models that show you exactly where a borrower's operation is headed — not just where it's been.
Historical Data & Analytics
Deep farm performance analytics powered by MatrixLZ that give you a clear, objective risk picture before you sign off.
What This Means For Your Bank
Stronger Borrowers. Stronger Portfolio.
Less Risk
Borrowers with managed income volatility are stronger borrowers. Period.
More Loan Volume
Confidently approve deals you would've had to pass on before.
Higher Retention
Borrowers with better risk management stay. They don't shop lenders.
New Opportunities
Position your institution as the lender who helps farmers win — not just the one who holds the note.
You read about the importance of connecting crop insurance and government programs to your hedging and marketing plan, but very few do it well. Silveus Financial connects all of these components into a profit/loss matrix and helps guide us into the best marketing decisions, considering our tolerance for risk on the farm.
John Mosbarger
Mosbarger Family Farms, Kansas
Industry-Leading Software
The Farm Financial Command Center
"Farm Financial Leadership is all about the process...and the process is all about MatrixLZ"
A dedicated advisor paired with MatrixLZ removes emotion around important financial decisions. Farm clients are able to make objective decisions in stress-filled moments of the growing season.
MatrixLZ is a farm income profit matrix that factors in every variable impacting income — crop insurance, government programs, hedging positions, input costs, and market conditions — all in one place. When your borrower is working with Silveus, you're not guessing at their ability to repay. You're looking at the math.
See MatrixLZ in ActionBook a Conversation
No pitch deck. No fluff. Pick a time and we'll show you exactly how we de-risk your AG portfolio.
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