For specialty crop growers of all shapes and sizes - from strawberries to apples, almonds to potatoes
Your farm has an office.Now it has a CFO.
Your AI CFO watches your costs, contracts, cash, and market prices — so you find out where your margin went while you can still protect it.
$399 a month. First three months free. No credit card to start.
It's a damn shame what's happening to specialty crop farming. Labor is up nearly 50% in five years, fertilizer and fuel more than 30%, and growers are going out of business. That's not a coincidence, and nobody's coming to fix it.
You already know that. What's harder to figure out is what last week actually cost you. The ones who make it through are the ones who see it coming and have the cash to move.
Read whyRecords in. A clear answer out.
Your invoices, contracts, payroll, and harvest numbers — in one place instead of five.
He reads the contracts, checks the invoices, and works out what things actually cost you.
You know where you stand while you can still do something about it.
- You ask: What did labor actually cost me per acre last week? Thomas answers: $412/acre — up 9%. Overtime drove it, and most of it was daily OT, not weekly.
- You ask: What's really coming out of my gross price? Thomas answers: Deductions are 59% of your per-carton cost. Cooling and commission are the two biggest lines.
- You ask: Can I cover payroll before the packout check lands? Thomas answers: Not without a draw. You're short for 11 days starting the 14th.
- You ask: Are my input costs moving against me? Thomas answers: Diesel is up 14% since you built your budget. That's $18K over plan by harvest.
Know what a carton actually costs you — and what it's selling for.
Labor, cooling, commission, deductions — traced from your invoices and contracts down to a single number per carton, per block, per crop. Set against live USDA shipping point prices, so you know whether today's market covers what it cost you to grow.
See how it works
See where your labor cost is actually hiding.
Thomas reads your Farm Labor Contractor invoices line by line, splits out the overtime premium, and catches the misrecorded hours before they reach your numbers. Labor is the biggest cost on most operations and the hardest one to see clearly.
See how it works
See what's really coming out of your gross price.
Thomas reads the whole agreement and tells you where the risk sits — the clause that caps your upside, the exposure with no limit, the schedule left blank. Article by article, in plain language, before you commit.
See how it works
Get told before it costs you, not after.
Diesel moving against your budget. A deduction that doesn't match the contract. Thomas watches for the things that quietly take your margin and tells you while you can still act.
See how it works
And when you want to ask, you just ask.
“Can I cover payroll before the packout check lands?” “What did that block actually cost me?” “Should I take this contract?” No dashboards to learn, no reports to pull. Ask him the way you'd ask anyone who knows your books.
Seeing the number is one thing. This CFO also gets you the cash.
A line of credit for the bills that come due before your check does.
Labor, fuel, packaging, and inputs don't wait for your settlement. Thomas gets you a revolving line of credit up to $250,000 — draw on it the day a bill lands, repay in 30, 60, or 90 days, with a simple transaction fee per draw.
Pay the invoice in front of you, keep the crew working, and settle up when your check clears. Draw what you need, when you need it, and only pay for the days you use it.
Your marketing contracts count here. Most lenders won't look at them.
Banks underwrite against land, equipment, and balance-sheet history. None of that reflects when money actually arrives on a specialty crop operation. Thomas underwrites on your contracts and your seasonal cash flow — the things that actually determine whether you can cover a bill in March.
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.
Lines of credit subject to approval.
Your bookkeeper keeps the books. Thomas reads them.
Keep your accounting software.
QuickBooks, Famous, DataTech, or spreadsheets — Thomas works with what's already there.
Keep your bookkeeper and your CPA.
A CFO doesn't replace them. He reads what they produce and tells you what to do about it.
Keep your data.
Your books stay in your system. They're yours whether you use Thombar or not.
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 CFO, apply for a line of credit, use your money-saving perks. Or do it all. Your call.
One grower could fill only 10% of a six-figure weekly contract. Thombar extended credit against his marketing contracts alone — and he went on to close a national retail account.
Read the case studiesSavings negotiated for you.
Thombar members receive exclusive discounts with suppliers and service providers.
Your farm has an office. Now it has a CFO.
Manage your margins. An AI CFO built for fruit, vegetable, nut, and potato growers.