The infrastructure behind safe
agricultural lending.
We provide the technology, data, and insurance backstop that makes it possible for retailers and banks to extend credit to farmers with confidence.
✦ Our Journey
We did not start in a boardroom. We started in the fields — and
that is what makes us different.
Retailer Onboarding
Local agro-dealers join the UfarmX network
We partner with established input retailers in farming communities. Our team vets their inventory, trains their staff, and integrates our SaaS tools. Retailers gain access to credit scoring, insurance coverage, and portfolio management.
01
02
Farmer Application
Instant AI-powered credit decisions
When a farmer visits a UfarmX-enabled retailer, they provide basic info. Our AI processes 200+ data points including GPS coordinates, historical yields, commodity prices, and socioeconomic factors to generate an instant credit decision.
03
Credit Extension
Farmer receives inputs; retailer is protected
Approved farmers receive quality inputs on credit. The retailer extends the credit but UfarmX provides insurance coverage for 80% of potential defaults. A small SaaS fee covers the insurance premium. Zero balance sheet risk.
04
Post-Harvest Repayment
Farmer repays; cycle repeats
After harvest, farmers repay their credit. Our platform tracks repayment, updates credit scores, and pays the retailer. If a farmer defaults, insurance covers 80%. Successful farmers build history for larger future loans.
✦ Our Journey
80% default coverage, included in every transaction
Every transaction is backed by parametric insurance through our partnership with Ensuro. The premium (6.3%) is covered by the retailer SaaS fee — meaning retailers pay nothing extra. Payouts within 30 days.
✦ Revenue Model
How
UfarmX earns
Interest Rate
15% to retailer, 5% spread to UfarmX
20% annual
Transaction Fee
On input sales
11%
SaaS Fee
Covers insurance premium
Monthly subscription
API Pricing (2026)
For bank integrations
$1 / application
Ready to get started?
Join the retailers, banks, and partners building the future of African agricultural finance.
