AgroScore is a 0–1000 credit signal we compute weekly for every active business on AgroYield. It's designed to give you a single, defensible read on your business's creditworthiness — and to give partner lenders a way to qualify you for working capital without re-collecting paperwork.
You'll see your AgroScore on your business dashboard at /business. Tap the card to open the breakdown.
How it's calculated
Five signals, each weighted, scored from your last six months of platform activity:
- Invoice volume & cadence (30%) — total amount invoiced and how regularly. Lenders care about the size of business you're doing AND how consistently you're doing it.
- Collection rate (25%) — paid invoices ÷ total invoices sent. The single strongest predictor of repayment behaviour.
- Tenure on AgroYield (15%) — how long you've been on the platform. Builds slowly; rewards consistency.
- Expense discipline (15%) — categorisation rate of expenses + how regularly you log them. Honest, active bookkeeping.
- Sector volatility (15%) — coefficient of variation of monthly revenue across all businesses in your sector. Lower volatility = higher score. This one is structural — it's about your sector, not your behaviour, but it's a real signal lenders want.
Each signal contributes between 0 and (its weight × 1000) points toward your total. The breakdown modal shows you the exact contribution from each.
Band meanings
| Score | Band | What it signals |
|---|---|---|
| 800+ | Excellent | Top-tier credit signals across the board. Lender-ready when partner integrations launch. |
| 650–799 | Good | Healthy across most signals. A few targeted improvements lift you to Excellent. |
| 500–649 | Fair | Solid foundation. Specific weak signals to address. |
| 350–499 | Building | Early-stage profile. Score grows naturally as you keep using the platform. |
| Below 350 | Insufficient data | Reserved for accounts older than 30 days that haven't produced enough activity to score reliably. |
A brand-new business with no invoices yet lands in Building, not Insufficient. The 350 floor is intentional — we don't want to discourage early users.
How to improve your score
Each signal in the breakdown modal shows you a specific action. The most common wins:
- Send invoices regularly. Six invoices/month at ₦200K each beats one invoice/month at ₦1.2M for cadence scoring, even though the totals match. Lenders favour consistent activity.
- Chase your overdue invoices. Collection rate is the second-heaviest weighted signal. One overdue invoice cleared moves the needle visibly.
- Categorise every expense. "Other" is treated as uncategorised. Spending two minutes assigning real categories (Transport, Inventory, Salaries, Utilities) lifts the expense-discipline component noticeably.
- Log expenses weekly, not monthly. Cadence matters as much as completeness. Five small entries beats one big monthly catch-up.
- Set your business sector. A missing sector value drops the sector-volatility signal to a neutral fallback. Setting it accurately lets the engine compute your real sector signal.
You won't see the change instantly — scores recompute every Sunday at 02:00 UTC. Tomorrow's read will reflect today's actions.
Frozen history
Every score we save is stamped with the exact weight set that produced it. If we tune the engine in the future, your historical scores stay frozen at the weights they were computed under. Lenders auditing the model can always answer "which scorecard scored this borrower on this date" with one query.
Partner lenders (coming)
We're onboarding lender partners who'll use your AgroScore to qualify you for working capital — without re-collecting paperwork you've already given AgroYield. Your score is being built now; it'll travel with you when partner integrations launch.
You control sharing. Partner data sharing is opt-in per partner via /business/settings/lender-sharing. We never share your score with anyone you haven't explicitly consented to.
Privacy
Your AgroScore is visible only to you (the business owner) and, if you've granted consent, to specific partner lenders you've approved. Accountants and staff team members can't see it. AgroYield's internal team sees aggregated platform-wide statistics only — never individual scores.
Frequently asked
Why does my score show "Building" when I just signed up? That's the 350 floor working as designed. New businesses haven't produced enough activity yet for the model to differentiate them. Use the platform for a few weeks and your real score emerges.
My collection rate is 100% but my score didn't jump. Collection rate is 25% of the total. Even at 100% (250 points), the other four signals have to contribute their share. Check the breakdown modal for the gating signal.
Can I dispute my score? The score is computed from your own data on AgroYield. Anything you can change in your dashboard (invoices, expenses, business profile) directly affects the score. There's no separate dispute process — fix the underlying data and the next compute reflects it.
Does AgroScore show up on my public business page? No. Public business pages show your name, sector, and tagline. Your AgroScore is private to you and partner lenders you've authorised.