Mosaic · Credit
Every credit file, read and flagged.
Currently in limited access while we build it out.
What it does
From a stack of paper to a decision.
Four things, end to end — the parts of a credit review that eat a day, handled so your team can spend the day deciding.
Files → memos
Drop in a scanned credit file — even a stack of photographed pages — and Mosaic reads it into a clean, structured credit memo. No text layer needed; it does the OCR for you.
Per-crop scenarios
Model commodity price and yield scenarios crop by crop, and see the effect on repayment capacity before it plays out in the field.
Profitability at a glance
Track margins and net APR per account, so the return on each relationship is a number you can see — not a number you assume.
Portfolio risk flags
Every account carries a plain flag, so you know where to look first across the whole book:
Who it's for
Built for the way ag lenders really work.
Agricultural retail lenders — the co-ops, input suppliers, and dealers who extend credit right alongside the seed and fertilizer — carry files that never fit a bank's software. Mosaic Credit is shaped around that reality: scanned paperwork, seasonal cash flow, commodity exposure, and a book of borrowers you know by name.
Want a look inside?
Mosaic Credit is in limited access while we build it out. If you run a credit book and this sounds like your world, ask for a walkthrough.