Many lending teams track portfolio exposures in spreadsheets. Here's what that costs at scale compared to agriIQ's portfolio risk engine.
| Dimension | Spreadsheets | agriIQ |
|---|---|---|
| Daily refresh | Manual — someone has to paste in new data each day, or the sheet goes stale. Most don't. | Automated — portfolio scores recalculated overnight against the latest conditions data |
| Concentration risk | Computed manually if at all; HHI calculations and peer benchmarking require specific formulas most sheets lack | Live HHI concentration risk and peer benchmarking against ABARES production shares and ABS farm debt baselines |
| Scoring consistency | Each analyst tweaks the sheet differently — no standardised scoring across the lending book | Transparent 7-dimension methodology applied consistently across every exposure in every portfolio |
| Scale | Works for 30-50 exposures; breaks down beyond 200 — formulas slow, mistakes multiply, version control fails | Designed for lending books of any size — up to 500 exposures per portfolio on Professional, unlimited on Enterprise |
| Knowledge retention | When the analyst who built the sheet leaves, institutional knowledge about the logic and assumptions leaves with them | Methodology, scoring logic, and data lineage documented in the platform — continuity independent of any one analyst |
| Audit trail | Excel change log (if tracked at all); proving who changed what and when is difficult | Full portfolio change log retained per exposure; Dale conversation logging on Enterprise |
| Peer benchmarking | Requires manually sourcing ABARES production shares and ABS farm debt data and building comparison rows each time | Built-in peer benchmarking against national production and farm debt baselines, refreshed automatically |
| Integration | Spreadsheet lives in isolation — no integration with credit origination systems, risk platforms, or lending workflow | REST API, embeddable widget, and integration with downstream systems on Professional and Enterprise |
Spreadsheets
Manual — someone has to paste in new data each day, or the sheet goes stale. Most don't.
agriIQ
Automated — portfolio scores recalculated overnight against the latest conditions data
Spreadsheets
Computed manually if at all; HHI calculations and peer benchmarking require specific formulas most sheets lack
agriIQ
Live HHI concentration risk and peer benchmarking against ABARES production shares and ABS farm debt baselines
Spreadsheets
Each analyst tweaks the sheet differently — no standardised scoring across the lending book
agriIQ
Transparent 7-dimension methodology applied consistently across every exposure in every portfolio
Spreadsheets
Works for 30-50 exposures; breaks down beyond 200 — formulas slow, mistakes multiply, version control fails
agriIQ
Designed for lending books of any size — up to 500 exposures per portfolio on Professional, unlimited on Enterprise
Spreadsheets
When the analyst who built the sheet leaves, institutional knowledge about the logic and assumptions leaves with them
agriIQ
Methodology, scoring logic, and data lineage documented in the platform — continuity independent of any one analyst
Spreadsheets
Excel change log (if tracked at all); proving who changed what and when is difficult
agriIQ
Full portfolio change log retained per exposure; Dale conversation logging on Enterprise
Spreadsheets
Requires manually sourcing ABARES production shares and ABS farm debt data and building comparison rows each time
agriIQ
Built-in peer benchmarking against national production and farm debt baselines, refreshed automatically
Spreadsheets
Spreadsheet lives in isolation — no integration with credit origination systems, risk platforms, or lending workflow
agriIQ
REST API, embeddable widget, and integration with downstream systems on Professional and Enterprise
