Developing an evidence base for assessing natural capital risks and dependencies in lending to Australian wheat farms Abstract: Farmers are highly dependent on stocks of natural capital, and lenders are in turn exposed to natural capital through their loans to farmers. Key Words: Natural capital; environmental risk; environmental credit risk assessment; responsible lending; wheat farming; Australia Acknowledgements: This work was supported by the Australian Commonwealth Department of Infrastructure and Rural Development under the Sense-T “Sensing Natural Capital” project.