Credit that grows with the harvest
Ekulibi finances farmers of every size and settles with the partners who buy from them, with repayment tracked from the field to the final sale, not just on a spreadsheet.
One
Shared record, from farmer to partner
In-kind
Loans repaid with the harvest itself
Direct
Partners settled on verified produce
Pan-African
Built for agricultural markets across the continent
From the first farm visit to the final settlement
Every step is tracked and reconciled, so a farmer's status is always current for the farmer and for the partner who buys from them.
- 01
Onboard & verify
A farmer profile is registered on the ground, with farm data and identity verified.
- 02
Score & disburse
Credit scoring evaluates each application before loans are approved and disbursed.
- 03
Repay with produce
Farmers repay in-kind: produce is submitted, valued, and applied to the loan balance.
- 04
Settle & report
Partners are settled on delivered produce, with a clear record for every transaction.
Real farms, real repayment
Ekulibi runs where the work happens: on the farm, in the field, and at the drying mat.
Grown
On the farm, from planting to harvest
Harvested
Produce collected and logged at the source
Tended
The daily work behind every harvest
Repaid
Produce valued and applied to the loan, not cash
Built for every part of agricultural finance
From onboarding to settlement: one connected record, not a stack of disconnected tools.
Farmer onboarding & KYC
Structured registration, document capture, and verification built for field conditions.
Credit scoring
Farm and repayment data turn into a decision-ready credit grade for every applicant.
Loan management
Application, approval, and disbursement tracked from request to repayment in full.
Produce-based repayment
Farmers repay loans in-kind: produce submissions are captured, valued, and reconciled.
Partner settlements
Buyers, processors, and aggregators are settled against verified produce delivery.
Built on trust
Every transaction leaves a clear, reliable record for the farmer and the partner alike.
Liquidity from the buyer
Ekulibi channels capital and inputs to farmers through the trade relationship itself, the partners who buy their harvest, rather than a conventional loan. It's how both ends of the value chain move forward together.
The cycle
Capital secured from partners
Buyers and processors commit capital and inputs, financing the farmer through the trade relationship itself.
Farmers found and verified
Field officers register profiles, capture farm data, and verify identity on the ground.
Farmers scored and approved
Credit scoring grades each application before anything is disbursed.
Loans disbursed, work continues
Financing reaches the farmer, sustaining the work and the jobs behind every harvest.
Produce repaid, capital recycles
Farmers repay in-kind, partners settle, and the same capital funds the next season.
Then it repeats: the same capital, the same partners, the next season.
For farmers
Guaranteed market access
Contracts with buyers and anchor firms are secured before harvest, so there’s no scramble to find a buyer afterward.
Stable pricing
Locked-in terms protect farmers from post-harvest price swings and minimize losses.
Higher yields, more profit
Guaranteed inputs, technical training, and reliable buyers let farmers scale with confidence.
For partners
Supply chain security
Financing farmers and suppliers locks in volume commitments, so shortages don’t stall production.
Lower procurement costs
Direct financing relationships, built on existing trade ties, cut the cost of sourcing raw material.
Full capacity, reliably
A steady, high-quality supply keeps processing lines running at consistent capacity.
Every contract signed and every harvest financed is a step toward more work in the communities that grow it.
Ekulibi Farmer app
Your loan and your harvest, in your pocket
Track loan status, submit produce, and see repayment update in real time.
Soon
SoonAlready a buyer, processor, or aggregator partner?
Track produce deliveries, purchase orders, and settlements in real time from the Partner Portal.