The header had to be on the farm by 7 October. Finance settled on the 19th.
By then a contractor was taking the crop off at three times the cost, and Kerrindale’s client had learned something about Kerrindale. Thirty-one deals missed their season last year and fourteen never came back — $18.6m of lending and $112,000 of commission, lost not to a competitor’s rate but to a week. Only two of the thirty-one were the client leaving it too late. Agribusiness finance is a business where the deadline is set by the weather, and the software either works backwards from it or it does not.
We built the screens that make it stop — every one of them live and clickable below. Then we build the same for your brokerage, with no commitment: the screens your team would use, in your language and your brand, linked up so you can walk your own process through them. Open it, show your team — if it's a fit, we'll make a detailed, priced proposal.
Kerrindale Rural Finance does not exist. We cannot show live client systems, so this study is built around a fictional brokerage — invented firm, invented brokers, invented farming families, invented lenders and invented figures. What is not invented is the work: the group structures, the seasonal windows, the security classes and the failure modes are all real, and the screens are genuine working pages rather than pictures of pages. Every mockup on this page opens and responds to clicks.
What this is not: a lending platform. It does not make the credit decision, price the facility or submit into a lender's core system, and it is not something a bank would roll out to its network. Displacing one of those is a far larger undertaking than this. Your lender portals, your accounting and your credit process all stay exactly where they are.
What it is: the layer none of them owns — the settlement window measured against the season rather than the calendar, the security that was never registered, the review date nobody diarised, and the client book that only gets called when something goes wrong. Where a tool already does its job, we integrate with it rather than replace it.
On scope: this is written for agribusiness finance broking in Australia, with a Riverina firm as the example. Commodity mixes, seasonal calendars, water markets and lender appetite differ enormously by region and by year — in a real build those are configuration rather than code. All figures are Australian dollars.
A brokerage whose clients are not borrowers, they are families
Kerrindale places agribusiness debt across the Riverina from offices in Wagga Wagga and Griffith. Six brokers, 180 client groups, $840m under management and relationships measured in decades rather than deals. Its problem is not finding clients or lenders. It is that every deal begins by rebuilding, from scratch, a picture of a family that has not fundamentally changed since the last one.
- Client groups
- 180
- Entities across them
- 1,240
- Brokers
- 6
- Groups per broker
- 30
- Deals settled, 12 months
- 186
- Placed
- $248m
- Book under management
- $840m
- Lenders on panel
- 14
- Days to assemble a group position
- 19
- Deals that missed a season
- 31
- Maturing in 12 months
- $96m
- Not in anybody’s diary
- 38
Eight failures, and what each one actually costs
Agribusiness broking has two things no other lending niche has: a client that is nine entities rather than one, and a deadline that nobody can negotiate with.
Start from the group, and plan backwards from the season
Two ideas, and they are the two things this business already knows and cannot act on. First, the client is the group, not the borrower. Nine entities, four people, who guarantees what, which title sits in the super fund, who holds the water — assembled once and reused on every deal, every review and every conversation, instead of rebuilt over nineteen days each time.
Second, a seasonal deal cannot be opened without a season date, and every date on it derives backwards from that — machine on farm, settlement, approval, submission, group position. Not a reminder. A plan that reads late when it is late, on the day it becomes late, rather than in October.
Seven screens follow. Each one opens as a real page — click through them.
Seven screens. Every one of them real.
No screenshots, no slideware — each screen below is a working page, rendered live in its frame. Click a frame or its link to open the full screen in a new tab and use it.
Season board
Every live deal against its window, ranked by float — the number of days that can still be lost before the season date is missed. Underneath, the honest analysis of the thirty-one deals that missed last year, and the finding that only two of them were the client leaving it too late.
Then the table nobody at Kerrindale has ever seen on one page: which accounting firms actually produce financials, and how long they take. Two firms account for fifteen of the twenty delayed deals.
The seasonal window
The screen this study is built around. Harvest starts on 12 October and nobody can move it, so every date on the deal is derived backwards from it — machine on farm five days before, dealer needs a week, lender needs a fortnight from approval, credit needs a fortnight from submission.
Read forwards, this deal looks comfortable: it came in on 11 August for an October harvest. Read backwards from the only date that matters, it is already three days late. That difference is the whole screen.
The client group
The idea the whole system rests on. A farming client is not a borrower — it is a family group. Nine entities, four people, five facilities across four lenders, one property leased between related parties and a separate company holding the water.
It also records the thing that governs everything and is currently written down nowhere: Cameron guarantees two of the five facilities and Sophie guarantees none. That was a succession decision made in 2021, and it constrains what can be asked of which lender.
Security & headroom
An agricultural balance sheet is four different kinds of thing. Land sits still. Water trades separately from the dirt. Livestock breeds, dies and gets sold between one count and the next. Crop is an estimate standing in a paddock.
The screen answers the first question every lender and every client asks — what is actually free — which currently takes an analyst half a day and is out of date the moment it is finished.
Panel & appetite
Fourteen lenders whose appetite changes by commodity, region and security — and changes in a phone call between one BDM and one broker, which never reaches the other five. Five deals last year went to a lender whose appetite had already moved. Six weeks each, on deals with a season date.
It also catches the second-order consequence: one lender now wants a water valuation under twelve months old, and the group’s largest unencumbered asset has quietly stopped being usable with their main lender.
Book & commissions
$840m under management, $96m of it maturing inside twelve months, and thirty-eight of those facilities in nobody’s diary. A balloon that arrives unannounced is a client ringing their bank directly.
And the number that should worry a principal most: trail has stopped on facilities worth $38,000 a year and nobody knows why. Either clients have refinanced elsewhere or a lender stopped paying. Both matter.
Client portal
The family group sees its own position — every entity, every facility, when each one comes up for review, and what is holding up the deal in front of them.
It also does something a broker rarely does in writing: it tells the client that the hold-up is their own accountant, explains exactly why the dates are what they are, and says plainly that a call from them will move it faster than another email from the broker.
The group first, because every other screen reads from it
Four phases of two weeks each — eight weeks end to end. The group record goes first: the security position, the deal plan, the maturity diary and the client portal are all the same information seen from different angles, and none of them can be built until the group exists. Each phase ends with something the team actually uses, not a demo.
Discovery & data
Weeks 1–2.
- Migrate groups, entities, people and guarantees
- Facilities across every lender
- Seasonal calendars by commodity and district
- Agree what a complete group position is
The group record
Weeks 3–4.
- Group structure, roles and guarantees
- Security register across all four asset classes
- Headroom calculated rather than assembled
- Documents held once, reused everywhere
Seasonal deals
Weeks 5–6.
- Deals planned backwards from a season date
- Float, bottlenecks and the season board
- Lender appetite, dated and attributed
- Outstanding items chased by owner, not by deal
Book & rollout
Weeks 7–8.
- Maturity diary across every facility
- Commission and trail reconciliation
- Client portal for the group
- Parallel run on one office first
Eight weeks is possible because most of it already exists. The entity and relationship records, document handling, obligation and expiry tracking, escalation rules, the messaging engine and the portal are running in production across six sectors already — including finance broking, where the same guarantor-and-entity structure is the spine of the system. What actually gets built for an agribusiness brokerage is the sector core: the seasonal backwards plan, the four security classes and the group position. That is the part this study is about, and it is the part we would spend the eight weeks getting right.
What is real here, and what is not
Real
- The group structure — nine entities, related-party leases, guarantees that stop at one generation
- The seasonal window, and the fact that every date on a deal derives backwards from a date nobody controls
- The four security classes, and that three of them will not sit still between valuations
- The failure modes. All eight are drawn from how agribusiness brokerages actually run
- The screens themselves: working HTML, not images, built the way we build the real thing
Not real
- Kerrindale Rural Finance, its brokers, its client families, its lenders and its accountants. All invented
- Every figure on every screen. The numbers are constructed to be plausible, not measured
- Any claimed outcome. We have deliberately not put a saving or a return on this page, because we would be making it up
- Any resemblance to a client. We do not show live client systems, which is precisely why this study exists
The engine underneath is already in production
The difficult parts of this system exist and run today — they are just doing it for other sectors. Live platforms, with the same client and case records, document handling, approval limits, escalation rules and portal at the centre of each:
- Medical tourism
- Student management
- Retrofit & remediation
- Financial brokerage
- Property management
That is why the working mockup is a realistic offer: we are not sketching a new product to sell you, we are showing you what the existing one would look like with your stages, your language and your brand on it — before any build begins.
We would rather show you your own screens
This took a fictional brokerage and made its process visible. The same exercise works better with a real one — your clients, your language, your brand — and it costs you nothing to find out whether it is worth building.
A conversation about your clients, your lenders and where the money leaks.
A working mockup of your own process — clickable, in your language and your brand.
Click through it with your team. If it's a fit, we'll come back with a detailed, priced proposal. If not, we part on good terms.
Ready to see your own screens running like this?
Tell us how your brokerage actually runs — your clients, your lenders, your settlement windows, where the money leaks — and we'll show you how we'd build it. If it's a fit, we build your screens. No commitment — and a detailed, priced proposal only if you ask for one.
What happens next
- We reply within one working day — a person who has read your note, not a bot.
- If it's a fit, we build your mockup — the screens above, re-skinned to your process and your brand.
- You click through it before anyone commits — if it earns the build, we talk about that.
Every enquiry is confidential — we never share your details, and we never put client work on a website.
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