Your berry farm'sfirst CFO.
See what labor's really costing you. Catch deductions before they eat your margin. Get credit when you need it.
Meet Thomas. He's your CFO,
and he knows the specialty crop business.
Most specialty crop growers don't have a CFO — or someone with the time to think like one. Thomas fills that gap. He proactively monitors your finances, flags risks before they become problems, and surfaces opportunities you might not see until it's too late.
Market Intelligence
Live USDA shipping point prices, diesel, fertilizer, and packaging costs — updated continuously. Thomas watches the inputs that shape your margins.
Cash Flow Visibility
Know where you stand between harvest and next season's inputs. Thomas tracks your draws, repayments, and seasonal gaps automatically.
Proactive Alerts
Thomas flags margin risk, unusual cost spikes, and credit opportunities as they happen, not after the season's already decided.
Labor Cost Tracking
See what labor is actually costing you against budget, by block or by crew, before it eats your margin.
Contract & Deduction Analysis
Thomas reads your marketing agreements and settlements to show you exactly what's being deducted, and whether it's in line.
What are my biggest input cost risks heading into next month?
Three things worth watching:
Diesel is up 2.1% over the last week — if you're running heavy equipment or depending on trucking, that'll hit margins.
Corrugated packaging is up 1.4% with more movement expected.
Ammonium nitrate is actually down 0.8%, so if you're planning a fertilizer run, timing is on your side.
Want me to model how these move your cost-per-acre for this season?
Need to pay a supplier or contractor?
Access a revolving credit line of up to $250,000 to pay invoices. Draw when you need it, repay in 30, 60, or 90 days, with a simple transaction fee per draw.
Funded in 24–48 hours
Decision based on your seasonal cash flow.
Only pay for the days you use
Pro-rata rebate if you repay early.
Based on your invoices
Draw on your line when needed.
Up and running in minutes.
Tell us about your operation
Complete your automated onboarding interview. Takes about two minutes.
Connect your financials
Link QuickBooks or upload statements from Famous, DataTech, or whatever software you use. The more Thomas knows, the more he can help.
Get to work
Chat with your AI CFO, apply for a line of credit, use your money-saving perks. Or do it all. Your call.
Cash flow and contracts matter. Not collateral.
Most lenders underwrite against land, equipment, or balance sheet history, not the marketing contracts that actually determine a grower's cash flow. Thombar does.
A seasoned operator, first-time owner unable to fulfill a multi-million dollar contract due to cash constraints
Could only fulfill 10% of a six-figure weekly contract with a major packer/shipper.
Thombar extended credit against his marketing contracts alone, even though his cash flow history wasn't there yet. He caught up on input invoices and went on to close an additional contract with a national retail chain.
An experienced, diversified grower borrowing from a sister company to cover labor and input expenses
Orders were capped by cash on hand. He was borrowing from a sister company just to make payroll and pay suppliers on time.
Thombar extended credit against his cash flow and existing contracts, looking at the fuller picture most lenders miss. He started paying suppliers directly and put an end to the inter-company borrowing.
Your numbers and the market's, in one place.
Market prices, input costs, and your own financials. Updated continuously, all in one place.
Savings negotiated for you.
Thombar members receive exclusive discounts with suppliers and service providers.
More partners added regularly.
Pricing built for how you grow.
Full access to the platform from day one, however big your operation gets.
No credit card required to get started.
- White glove onboarding
- Labor cost tracking, contract and deduction analysis, and cash flow visibility
- Apply for an accounts payable line of credit, up to $250,000
- Real-time market intelligence
- Exclusive member perks and negotiated supplier discounts
Lines of credit subject to approval.
Customization needs?
Contact us for pricing
Everything in Standard, plus:
- Custom modules and analyses, automated
- Custom integrations beyond QuickBooks
- Dedicated onboarding and data migration
- Priority support
Questions specialty growers ask us
Why Thombar?
Named after Thomas Barbour Lathrop, the financier who reshaped US agriculture by funding the introduction of thousands of new specialty crop varieties.
Thombar carries his spirit forward, using modern finance to unlock resilience and innovation for American specialty growers today.
Who is Thombar for
- Fruit and orchard farms
- Vegetable and melon farms
- Potato farms
- Nut and tree crop farms
- Mixed specialty crop farms
Your operation deserves a financial partner that actually understands specialty crops.
Credit, market intelligence, and an AI CFO — built for fruit, vegetable, nut, and potato growers.