We don't lend to farmers.
We make lending possible.
UfarmX is the horizontal credit infrastructure enabling retailers, banks, and institutions to safely extend credit to smallholder farmers across Africa.
ACTIVE IN
Backed by
✦ Our Journey
From farmers to
infrastructure
We did not start in a boardroom. We started in the fields — and
that is what makes us different.
1
2022–2023
The Fields
We farmed 100 acres in Nigeria. Discovered the credit gap firsthand. Ran a 15-farmer experiment. Yields tripled. Defaults under 10%.
Shifted to B2B enabling retailers to extend credit using our AI scoring. Banks were slow. Retailers had inventory today.
2
2023–2025
The Pivot
2026+
The Infrastructure
3
Launching API product for banks. Building the Equifax of African agricultural lending. Horizontal rails for the entire continent.
"The question is not whether African farmers will gain access to credit. It is who will own the infrastructure that provides it."
— Alexander Zanders, Founder & CEO
✦ How It Works
Zero-risk lending.
Instant decisions.
🏪
Retailer Onboards
Local agro-dealers join our platform. We vet inventory and train staff.
👨🌾
Farmer Applies
AI scores 200+ data points instantly. No paperwork. No waiting.
✅
Credit Extended
Inputs on credit. Insurance covers 80% of default risk.
🌾
Repayment
Farmer repays after harvest. Retailer gets paid. Zero risk.
✦ Solutions
Built for
every stakeholder
🏪
For Retailers
Extend credit to farmers with zero risk. Insurance covers 80% of defaults. Grow revenue by 40%+.
- Zero balance sheet risk
- Insurance-backed lending
- SaaS portfolio dashboard
- Invoice financing available
🏪
For Banks & FIs
Integrate our AI credit scoring API. Underwrite farmer loans in real-time. Access the $68B opportunity.
- API integration in days
- $1 per application
- 4+ yrs African training data
- Pipeline: Baobab, UBA, Zenith
Launching Q4 2026
🏪
For Farmers
Access credit at your local retailer. No collateral needed. Quality inputs and AI advisory.
- Collateral-free financing
- Trusted retailer inputs
- USSD & mobile app access
- AI agronomic advisory
✦ Our Reach
Active across
4 countries
Nigeria
Flagship Market
🏪 50+ Retailers
👨🌾 7,000+ Farmers
Senegal
Expanding
🏪 12+ Retailers
👨🌾 2,000+ Farmers
Liberia
Active
🏪 10+ Retailers
👨🌾 800+ Farmers
Kenya
Bayer Pilot
🏪 Q2 2026 Retailers
👨🌾 Coming Farmers
✦ Get Started
Ready to scale
agricultural lending?
Whether you are a retailer, bank, investor, or partner —
we would love to talk.
