Send your borrowers to renewal already knowing their numbers.
Two free quick-checks your corn, soybean, and wheat borrowers can run in two minutes each — debt service coverage and working capital. No signup, nothing collected. Hand them a link, a QR code, or a printable one-pager, and they show up with realistic numbers and a clearer idea of what you'll ask for.
No signup, nothing collected, no credit decision — it's a preparation aid, not an application.
Renewal season is easier when borrowers come prepared.
You know the pattern. Half the operating notes on your desk come in with organized statements. The other half come in with a legal pad, a Schedule F, and a rough guess at coverage — and the meeting gets spent building numbers instead of making a decision. The Free DSCR Check gives your borrowers a way to see their own coverage ratio before they walk in, framed the way a loan committee looks at it: against the 1.25x line, with the add-backs handled and the shortfall stress-tested.
What your borrower sees
Their coverage ratio
Net farm income and reliable off-farm income, with depreciation and term interest added back, family living and taxes taken out.
A read against 1.25x
Plain language, not just a number — clear when they clear the common minimum, flagged when they're thin.
A built-in stress test
Drop net farm income by a price slide and watch the ratio move, so they see how little margin a 30-cent corn move eats.
It ends by telling them the honest thing — this is a ballpark, and the real number comes off statements that tie together. Which is exactly what you want them to bring you.
Share them with your borrowers in ten seconds
Copy any version below, paste it into your pre-renewal email or a text, and send it to your whole list. Nothing to sign up for, nothing collected from the borrower, and no credit decision implied.
Debt service coverage (DSCR)
Borrower email
Paste into Outlook and send to your renewal list.
Subject: A two-minute way to know your coverage ratio before renewal As we get ready for your renewal, here's a free tool that takes about two minutes: https://www.tapgrow360.com/dscr-calculator Enter your rough net farm income, family living withdrawals, and annual principal and interest payments, and it shows your approximate debt service coverage ratio against the 1.25x line most ag lenders look for. There's no signup and nothing is collected — it's a preparation aid, not a credit decision, and your final ratio will be based on the statements we review together. Knowing roughly where you stand ahead of time makes our meeting a lot more productive.
One-liner
For a text message or a note in the renewal packet.
Before your renewal, take two minutes and check your rough debt service coverage ratio here: https://www.tapgrow360.com/dscr-calculator — no signup, nothing collected.
The DSCR QR code on its own
Drop it into a mailed renewal letter, a branch flyer, or print it for the counter. It points to the free check at tapgrow360.com/dscr-calculator.
Download the QR imageWorking capital
Borrower email
For borrowers whose cushion is the question, not their payments.
Subject: A two-minute way to check your working capital before renewal Ahead of your renewal, here's a free tool that takes about two minutes: https://www.tapgrow360.com/wc-calculator Enter your rough current assets (cash, grain inventory, receivables, prepaids), your current liabilities, and gross farm revenue. It shows your approximate working capital and your working capital to gross revenue ratio against the 20–30% range most ag lenders look for. There's no signup and nothing is collected — it's a preparation aid, not a credit decision, and your final numbers will come off the balance sheet we review together. Having a rough idea of your cushion ahead of time makes our meeting a lot more productive.
One-liner
For a text message or a note in the renewal packet.
Before your renewal, take two minutes and check your rough working capital ratio here: https://www.tapgrow360.com/wc-calculator — no signup, nothing collected.
The working capital QR code on its own
The same code printed on the working capital handout. It points to the free check at tapgrow360.com/wc-calculator, so the printed and digital versions match.
Download the QR imageIt defers to your number — not the other way around.
Lenders vary. Some exclude off-farm income, some run a three-year average, some weight it differently. The tool says so plainly and tells every borrower to confirm the convention their bank uses. It's a preparation aid, not a credit decision, and it never puts itself between you and your borrower. Nothing entered is saved or sent to us.
Three documents, ready to send
The reference material is also on the site as web pages you can link to: the ratios at renewal and the document checklist.
DSCR borrower handout
One page for the farmer: the coverage bands in plain language, a QR code to the free check, and a pull-together list of what to bring to renewal — Schedule F, depreciation, balance sheet, loan schedule.
Download the handout (PDF)Working capital borrower handout
The liquidity companion: what counts as a current asset, the working capital to gross revenue bands, a QR code to the free check, and the balance sheet detail you'll ask for at renewal.
Download the handout (PDF)Lender overview
The piece for your desk: how field plans and tax records become statements that reconcile, the ratio summary your committee looks at first, and what it costs the farmer.
Download the overview (PDF)See it in 15 minutes.
One coffee's worth of time: we'll walk through a live file, the lender ratio summary, and how your borrowers get started at renewal. We're farmers in Newton, Iowa, and we built TG360 for exactly these conversations.
Heath Kellogg · 515-207-7118