In recent years there is a growing interest in Textile-Reinforced Mortar (TRM) systems as a convenient solution for seismic strengthening of masonry buildings. Moreover, TRM systems based on the use of natural fibers (hereafter referred to as nTRM) are emerging as a sustainable alternative to the currently available composite systems. However, predicting the cracking evolution in nTRM is still an open issue, as this process is significantly affected by several geometric and mechanical properties whose direct evaluation is not straightforward in the case of textiles made natural fibers. In this context, starting from the experimental results obtained from tensile tests on nTRM specimens, this study aims to formulate and apply a novel methodology intended at understanding the mechanisms behind the cracks formation process in nTRM systems and making their behavior more predictable and controllable at the design stage. The proposed model is based on the use of one-dimensional spring-like elements, which can lead to a reasonable balance between computational cost and simulation accuracy. The nonlinear analysis algorithm adopted in the implemented numerical code is based on a classical incremental-iterative procedure, which includes the various relevant mechanical phenomena and physical quantities (e.g. mortar matrix cracking, mortar-textile slippage and bond interaction). The model is validated by comparing the numerical results with the corresponding experimental ones, both in terms of nominal stress-strain and force-average-crack-spacing relationships. The promising results obtained in this preliminary application of the proposed model can inspire future experimental research to further investigate the role of the fundamental parameters related to geometry and mechanical properties of mortar and textile with the aim to improve the composite behavior of nTRM systems.