Bankbarn
Bankbarn operates an AI-powered digital lending marketplace serving US farmers, starting in dairy and livestock. The platform combines AI credit risk assessment (Bankbarn Score) with a marketplace connecting farmers to multiple lender partners, supported by an equipment dealer network.
- Company typePrivate
- Founded2022
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Bankbarn does
Bankbarn (legal entity: 2B Technologies, Inc.; Delaware) is a venture-backed, early-stage fintech operating an AI-powered digital lending marketplace for US agriculture, with a current beachhead in dairy and cattle. Its core products are (i) the Bankbarn Score, an AI credit-risk model that underwrites farm borrowers using a holistic data set spanning financials, on-farm performance, supply chain, macro, and personal data — distinct from the ~20 financial data points conventional ag lenders typically use — and (ii) a digital lending platform (portal.bankbarn.io) that automates loan origination and real-time loan monitoring, replacing manual farm audits. Supporting products include Equipment Financing (100% financing, zero down payment, soft-costs coverage) and a Dealer Program plus Dealer Portal that gives equipment dealers a point-of-sale financing workflow.
Bankbarn firmographics
Firmographics- Name
- Bankbarn
- Legal name
- 2B Technologies, Inc.
- Website
- https://bankbarn.io
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Bankbarn operates an AI-powered digital lending marketplace serving US farmers, starting in dairy and livestock. The platform combines AI credit risk assessment (Bankbarn Score) with a marketplace connecting farmers to multiple lender partners, supported by an equipment dealer network.
- Ownership category
- akta.pro rank
Bankbarn industry classification
Industry- Product category
- Agricultural Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Risk Analytics, Portfolio Monitoring & Early-Warning (Consumer Credit) (FSAKAKAH)
Keywords
Where Bankbarn is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Bankbarn business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Loan Origination/Servicing Fees: Bankbarn operates as a lending marketplace connecting farmers with funding partners. They earn fees from facilitating loans and potentially from interest rate spreads through their marketplace model.
- Marketplace Commission: As a financing marketplace, Bankbarn connects borrowers with multiple lenders/funding partners and earns revenue from the transaction facilitation.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Bankbarn product offering
Product offeringCore offering
Bankbarn operates a digital lending marketplace that connects farmers with multiple funding partners, initially focused on dairy and cattle operations. Its AI-powered credit risk models analyze holistic farm data—including financials, on-farm performance, supply chain, macro, and personal data—to assess borrower risk and prescribe customized rates, terms, and debt capacity. The platform automates the loan application and monitoring process, delivering equipment financing decisions in minutes rather than months.
Product overview
Bankbarn is a financing platform for the agricultural industry that offers a digital lending marketplace delivering flexible, competitive capital to farmers. The core product is a digital lending platform (portal.bankbarn.io) that automates the loan application process from pre-approval to closing. This platform is supported by Bankbarn Score, an AI-powered credit assessment tool that evaluates borrowers using a holistic approach analyzing financials, on-farm data, supply chain data, macro data, and personal data. Equipment Financing is a key product offering providing 100% financing options for farm equipment acquisition. The platform also includes a Dealer Program and Dealer Portal for channel partnerships with equipment dealers, enabling point-of-sale financing. Bankbarn currently has 4 active lending partners funding loans and leases, and is expanding from its beachhead market in dairy equipment into feeding equipment, barn construction, and solar equipment markets.
Differentiator
Problem solved
Functional benefit
Brands
- Bankbarn Score: Credit scoring/risk assessment platform using AI and multi-source data analysis for agricultural borrowers.
Products and services
- Digital Lending Platform A digital lending marketplace platform that fully automates the agricultural loan application process from pre-approval to closing, enabling funds to be disbursed in minutes rather than months. Targeted at farmers seeking equipment financing and operating capital.
- Bankbarn Score An AI-powered credit scoring system that evaluates farmers beyond traditional financial metrics by analyzing on-farm data, supply chain data, macro data, personal data, and financial data to deliver a holistic risk assessment for agricultural borrowers.
- Equipment Financing A financing product offering 100% financing with zero down payment and soft costs coverage (construction and installation) for farmers acquiring equipment and technology. Rates are sourced from Bankbarn's lending marketplace.
- Dealer Program A channel partnership program enabling dairy and agricultural equipment dealers to offer point-of-sale financing solutions to their customers through Bankbarn's marketplace.
- Dealer Portal An online portal for equipment dealers to manage financing applications submitted at point of sale and track loan status through the lending process.
Quantifiable outcome
- 2.5% lower APR than competing loan offers
- +1 more outcomes
Companies that use Bankbarn
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
Bankbarn technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature4 records
Bankbarn partnerships and signals
Strategic signalPartnerships
34 partnerships are on record, tiered core and minor.
- Madero Dairy SystemscoreFormal partnership executed March 23, 2024 to launch a competitive, efficient point-of-sale financing platform for Madero Dairy Systems equipment and technology. Goal is to accelerate technology adoption on US dairy farms.
- DFA (Dairy Farmers of America)minorPartner logo displayed on Bankbarn website partners section.
- LeedstoneminorPartner logo displayed on Bankbarn website partners section.
- Fisher ThompsonminorPartner logo displayed on Bankbarn website partners section.
- CRVminorPartner logo displayed on Bankbarn website partners section.
- Dairy SpecialistsminorPartner logo displayed on Bankbarn website partners section - dairy equipment dealer.
- Advanced DairyminorPartner logo displayed on Bankbarn website partners section - dairy equipment dealer.
- HiStand ServicesminorPartner logo displayed on Bankbarn website partners section - dairy equipment dealer.
- Sioux Dairy EquipmentminorPartner logo displayed on Bankbarn website partners section - dairy equipment dealer.
- Amaral Dairy TechminorPartner logo displayed on Bankbarn website partners section - dairy technology dealer.
- RovibecminorPartner logo displayed on Bankbarn website partners section - agricultural equipment dealer.
- Lely MidAtlanticminorPartner logo displayed on Bankbarn website partners section - dairy equipment dealer.
- TivertonminorPartner logo displayed on Bankbarn website partners section - agricultural equipment dealer.
- General MillsminorPartner logo displayed on Bankbarn website partners section.
- Midwest Livestock SystemsminorPartner logo displayed on Bankbarn website partners section - livestock equipment dealer.
- BECOminorPartner logo displayed on Bankbarn website partners section.
- AgProminorPartner logo displayed on Bankbarn website partners section - agricultural construction company.
- PharmRoboticsminorPartner logo displayed on Bankbarn website partners section - dairy technology provider.
- Alta GeneticsminorPartner logo displayed on Bankbarn website partners section - dairy genetics company.
- DeLavalminorPartner logo displayed on Bankbarn website partners section - dairy equipment manufacturer.
- TDR Inc.minorPartner logo displayed on Bankbarn website partners section - dairy equipment dealer.
- Dairy Performance NetworkminorPartner logo displayed on Bankbarn website partners section.
- Fennig EquipmentminorPartner logo displayed on Bankbarn website partners section - agricultural equipment dealer.
- Finger Lakes Dairy ServiceminorPartner logo displayed on Bankbarn website partners section.
- Harolds EquipmentminorPartner logo displayed on Bankbarn website partners section - agricultural equipment dealer.
- TroopminorPartner logo displayed on Bankbarn website partners section.
- Excel Dairy ServiceminorPartner logo displayed on Bankbarn website partners section.
- TDSGminorPartner logo displayed on Bankbarn website partners section.
- Lely Center New EnglandminorPartner logo displayed on Bankbarn website partners section - dairy equipment dealer.
- Premium Farm SolutionsminorPartner logo displayed on Bankbarn website partners section.
- HiTech Dairy SystemsminorPartner logo displayed on Bankbarn website partners section.
- Peacock TechnologyminorPartner logo displayed on Bankbarn website partners section - agricultural technology.
- Afi (Afimilk)minorPartner logo displayed on Bankbarn website partners section - dairy monitoring technology.
- Kroes NorthwestminorPartner logo displayed on Bankbarn website partners section - agricultural equipment dealer.
Scale indicators5 records
Recent moves6 records
Expansion highlights4 records
Bankbarn competitors and assessment
Company assessmentDirect peers
- AgDirect: AgDirect operates an equipment financing marketplace connecting farmers, equipment dealers, and lenders, directly comparable to Bankbarn's dealer-driven ag lending model.
- ProducePay: ProducePay provides financing, marketplace, and data tools to agricultural producers, sharing Bankbarn's combination of alternative-data underwriting and grower-focused capital.
Emerging players
- Apollo Agriculture: Apollo Agriculture is an agtech fintech using data and machine learning to deliver credit and other services to farmers in emerging markets, comparable to Bankbarn's alternative-data credit approach.
- Kiva: Kiva is a mission-driven marketplace lending platform using alternative data and crowdfunding to extend credit to underserved borrowers, conceptually comparable to Bankbarn's focus on unbanked/underbanked farmers.
Broad incumbents
- Compeer Financial: Compeer Financial is a large, established Farm Credit System association providing loans and financial services to farmers and rural businesses — directly overlapping Bankbarn's dairy and cattle target market (and is also a Bankbarn partner).
- John Deere Financial: John Deere Financial is the captive finance arm of John Deere offering equipment financing through dealer networks, structurally comparable to Bankbarn's dealer-channel-led ag equipment financing.
- CNH Industrial Capital: CNH Capital provides equipment financing for Case IH and New Holland agricultural machinery via dealers, directly comparable to Bankbarn's dealer-originated equipment financing model.
- Stearns Bank: Stearns Bank operates equipment finance programs through dealer networks across multiple industries including agriculture, overlapping Bankbarn's dealer-driven financing business.
Regional players
- Bremer Bank: Bremer Bank is a regional Midwestern bank with a sizable ag lending portfolio and deep dairy-state relationships; it is also a Bankbarn partner and a direct comparison for competing ag lending coverage.
Others
- Afimilk (Afi): Afimilk is a dairy-specific technology provider (cow monitoring, sensors) whose installed base could provide Bankbarn with on-farm data signals — also a listed Bankbarn channel partner for ecosystem adjacency.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Bankbarn social profiles
Digital presenceBankbarn financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bankbarn leadership team
Management profileNumber of profiles
Profiles2 records
Bankbarn funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bankbarn M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bankbarn
What does Bankbarn do?
Bankbarn operates a digital lending marketplace that connects farmers with multiple funding partners, initially focused on dairy and cattle operations. Its AI-powered credit risk models analyze holistic farm data—including financials, on-farm performance, supply chain, macro, and personal data—to assess borrower risk and prescribe customized rates, terms, and debt capacity. The platform automates the loan application and monitoring process, delivering equipment financing decisions in minutes rather than months.
Is Bankbarn a public or private company?
Bankbarn is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bankbarn founded?
Bankbarn was founded in 2022. It employs 1 to 10 people.
Where is Bankbarn based?
Bankbarn is headquartered in New York, United States, in the North America region.
How does Bankbarn make money?
Two revenue lines are on record. Loan Origination/Servicing Fees are the primary driver. The others are marketplace Commission.
Who are Bankbarn's main competitors?
Direct peers on record are AgDirect and ProducePay. Emerging players are Apollo Agriculture and Kiva. Broad incumbents are Compeer Financial, John Deere Financial, CNH Industrial Capital and Stearns Bank. Bremer Bank is listed as a regional player. Afimilk (Afi) is listed as an others.
Does Bankbarn have an API?
No public API is recorded for Bankbarn.
What industry is Bankbarn in?
Bankbarn's product category is Agricultural Lending. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 522310 and its SIC code is 6163.