With many farmers having neither the guarantee nor the credit history to secure credit approval, there is a need to find alternative credit rating methods to help banks and financial institutions to assess the real risk of potential borrowers and exploit this potential profitable sector.

CreditScore  fills this gap and provides the appropriate tools in the hands of financial institutions, to better assess the risk of their products, as well as to reduce the asymmetry of information, while strengthening the transparency between institutions and potential farmers/borrowers. Through CreditScore, a complete profile for each farmer-potential borrower can be developed on the basis of the  historical and current crop yields, short and long-term climate risks and weather hazards, affecting final crop performance.

CreditScore combines the use of Earth Observation, seasonal weather forecast, climate projections, and market data, to deliver accurate projections of future farmers/borrowers income, while managing to capture fully the climate variability and provide unbiased estimates of future yields and agricultural income.