Question 1

What is Thombar?

Accepted Answer

Thombar is the financial platform built for US specialty crop growers. It combines instant lines of credit, real-time market intelligence, and Thomas, who reads your contracts, settlements, invoices and payroll and tells you in plain English what needs your attention.

Question 2

What is Thomas?

Accepted Answer

Thomas is the part of Thombar that reads your books and documents, from contracts and settlements to invoices and payroll, and flags what needs your attention. He tracks your input costs and market prices so you always know where your operation stands.

Question 3

How does Thomas actually work?

Accepted Answer

Thomas connects to your financial data through QuickBooks or uploaded statements and uses that to monitor your operation in real time. He surfaces insights, flags risks, and answers questions about your finances without you having to dig through spreadsheets.

Question 4

Do I need to connect QuickBooks or upload financial statements?

Accepted Answer

The more Thomas knows about your operation, the more helpful he can be. That said, you can get started without connecting anything and add your financials when you're ready.

Question 5

Do I have to apply for credit to use Thombar?

Accepted Answer

No. You can use Thomas and Thombar Signals without applying for credit. When you're ready, applying for a line of credit takes just a few minutes.

Question 6

Do I have to switch off QuickBooks?

Accepted Answer

No. Thomas connects to QuickBooks Online, or you can upload statements from Famous, DataTech, or whatever you use. Your accounting software stays exactly where it is, your chart of accounts doesn't change, and your bookkeeper doesn't have to learn anything new. Thombar is not accounting software. It's the back office that reads what your accounting software produces.

Question 7

How is Thombar different from my ag lender or farm bureau?

Accepted Answer

Traditional ag lenders are slow, relationship-gated, and built for commodity row crops, not specialty growers. Thombar gives you faster credit decisions, real-time market intelligence, and a back office that reads your contracts, settlements and invoices and understands the financial rhythms of specialty crop farming.

Question 8

What crops does Thombar support?

Accepted Answer

Thombar is built for US fruit, vegetable, nut, and potato growers, including strawberries, almonds, romaine, blueberries, pistachios, mandarins, potatoes, and more.

Question 9

Do you work with growers outside California?

Accepted Answer

Yes. Thombar serves specialty crop growers across the United States.

Question 10

Is my financial data secure?

Accepted Answer

Yes. Thombar is SOC 2 compliant and all data is encrypted in transit and at rest. We never sell your financial data to third parties. Ever.

Question 11

Who provides the lines of credit?

Accepted Answer

Lines of credit are provided by Thombar's lending partners. All financing is subject to credit approval.

Question 12

Who is Thombar for?

Accepted Answer

Thombar is built exclusively for US specialty crop growers, fruit, vegetable, nut, and potato operations of all sizes. If you grow it and it's not a commodity row crop, Thombar is built for you.

Question 13

Does this replace my bookkeeper or my CPA?

Accepted Answer

No. Thomas doesn't do the bookkeeping and doesn't file your taxes. He reads the books, works out what things actually cost, and tells you what it means for the decisions in front of you. Your bookkeeper and CPA keep doing what they do.

Questions specialty growers ask us.

See Thombar with your own numbers.

Questions specialty growers ask us.

See Thombar with your own numbers.