Driving Financial Inclusion for Value Chain Actors
At iFarmer, we understand that capital is the lifeblood of agriculture. We bridge the gap between financial institutions, retail investors, and farmers, retailers, suppliers who need funding to thrive. Our solution ensures that they have unprecedented access to the capital required for growth. We go beyond simple lending by bundling finance with essential agricultural inputs, expert advisory services, crucial insurance coverage, and vital market access. Our approach is rooted in an agriculturally relevant and data-driven model, allowing us to accurately assess risk and return. This enables us to develop tailored funding schemes that perfectly fit the unique needs of smallholder farmers and the individuals and institutions who fund them.
Our Approach to Finance
End to End Digital: Value chain actors' demand of finance to disbursement to repayment everything is digitally managed.
Collateral-Free Financing: Farmers can access the funds they need without traditional collateral.
Flexible Repayment: Repayment is aligned with the agricultural cycle, allowing to pay at harvest.
Build Credit Profile: We help farmers, Agri-input retailers and suppliers establish and improve their financial standing.
Strong Partnerships: We collaborate with leading banks and Non-Banking Financial Institutions (NBFIs) to expand financial reach.
How We Work: We partner with a diverse network of financial institutions and lending partners to provide accessible financing to the farmers. Our proprietary credit scoring algorithm, powered by alternative data, precisely identifies the viability of each customer. Once applications are approved by our lending partners, funds are disbursed in the shortest possible time.
