Reducing Water Risk for Ag. Lenders

Landmark water supply regulations and data scarcity have complicated the ag. lending process, forever. 

History of California Water

  • Worsening cyclical droughts
  • Millions of acre feet of allocations are diverted away from farms
  • Laws cut off farms' access to groundwater
  • Water districts and borrowers are left without answers
  • Making the loan selling and underwriting process difficult
  • Putting whole lending portfolios at retroactive risk 

Many Are Far Behind


Lenders who rely on the old insufficient analysis of a property having two sources of water or who choose to spend hours of time researching complicated water topics see inefficiencies, loans default, have unsatisfied regulators, and even worse, unhappy borrowers.

While Others Are Ahead


Forward thinking lenders have already taken the lead. They use data to efficiently understand the risk factors facing their borrowers, quickly capture quality lending opportunities, and keep their regulators satisfied, all the while keeping their lending risk low.

You can present to your board and fellow bank leaders a portfolio of ag. loans that is rock solid. Loans with happy borrowers that have good credit ratings, quantified water risk, and strong farming operations. Even more, your portfolio is monitored with mitigation strategies intact.

Informed decision making in the age of SGMA


AQUAOSO’s water risk research and reporting tool helps you identify and understand water risks and farm characteristics within seconds, perfect for efficiently: 

Analyzing lending prospects and understanding their operations.
Crafting narratives and underwriting for loan applications.
Keeping current water and farm information no matter who is in the office.
Generating reports to facilitate communication for internal communication and regulatory documentation.

With AQUAOSO's Mapping and Research tool you can generate multi-parcel reports on-demand, providing you detailed water information for your underwriting. Report information includes:


Water District & Historical Allocations

GSA and Basin Risk Points

Well Completion Reports

Water Right Ownership & Status

Groundwater Recharge Capability Index

Soil Classification & Quality

Parcel, Flood & Soil Maps

Date Stamped for Relevancy

Mitigate Your Portfolio Risk


AQUAOSO’s portfolio analytics tool helps you understand, monitor and mitigate water and farming risks impacting your portfolio. 

View overall portfolio concentrations in high risk water districts, GSAs, or white areas with no water
Drill into concentrations of risk to assess borrowers and see how strong their operations are
Communicate with bank leaders and identify opportunities to mitigate risks
Help struggling borrowers identify risk mitigation strategies

What Our Customers are Saying


“Using AQUAOSO has helped me cut down on research time and has provided me more water information than ever before! It is now the first step in my loan underwriting process and it has allowed me to devote more time toward expanding our loan portfolio.” - Laura Maffei, SVP

Community West Bank

“I love how user friendly AQUAOSO’s research tool is and how fast it is to generate detailed water and soil reports, which are perfect for gathering parcel information for our loans.” - Juli Bakker

Golden State Farm Credit

"I have been continually impressed with AQUAOSO’s commitment to customer service.   We use the Mapping and Research Tool and at our request AQUAOSO expanded the information covered in their reports.  This eliminated the need to visit multiple websites to gather information and we’ve been happy with the result!”- Melissa Sandlin, Sr. Appraiser

American Ag Credit

“AQUAOSO’s powerful research tool helps give me a deep understanding of water and soil assets on a property even before the first site visit.” - Marc Schuil, Owner

Schuil & Associates
Diversified Real Estate

“At Porterville Citrus, we are always looking out for our growers’ best interests so when we realized AQUAOSO’s ability to provide a deeper understanding of our growers’ water risk, we knew they were the clear choice. Thanks to AQUAOSO, we have an even deeper understanding of both our growers’ water assets and water threats, which has put Porterville Citrus in a much stronger position to mitigate than ever before.” - Jim Phillips, President

Porterville Citrus

AQUAOSO is dedicated to helping the ag industry prosper even in the face of increasing water risk. Water scarcity is a personal issue impacting the members of the AQUAOSO team as we are local farmers and water experts with deep roots in California. We pride ourselves on being there for our customers and have received a 95% for customer satisfaction rating from our more than 100 annual subscribers.

Meet the Team


Christopher Peacock

Founder & CEO
MBA, 18 years in Water
Founder, Water Innovation Project
Water tech and operations leader

chris brighter

Cameron Burford

Co-founder & Head of Growth
JD/MBA, 3rd Generation Farmer
McGeorge School of Law & U.O.P.
Agriculture and Land Management

Ken Hunt

Senior Software Architect
Engineering software systems for 30 years
Web, Mobile, Modeling & Simulation

Kennneth B Hunt, Smooth Complexion

Jeff Parrish

Head of Technology
SaaS Development and Scaling
Neuroscience and Machine Learning

Blake Atkerson

Water and Data Strategist
J.D., LLM Water Resources Law
Data Connoisseur

Blake son of atker
LinkedIn Crop

Chelsea Horn

Account Executive
MBA, 3rd Generation Farmer

Frequently Asked Questions