Agri-Loan Management
Link satellite field data, farm size, and yield history directly to credit decisions — data-driven agri-lending at scale.
Agri-Loan Management extends the core lending engine with the specific data inputs that matter for agricultural credit — farm size, crop type, NDVI health scores, seasonal yield history, and input utilisation records. These data points feed into configurable eligibility rules and credit scoring models, giving agri-finance teams an objective, data-rich foundation for lending decisions that traditional income-based assessments cannot provide.
Everything you need, nothing you don't
NDVI-Linked Eligibility Rules
Configure loan eligibility criteria that include NDVI crop health thresholds — applicants with healthy, established crops qualify for higher loan amounts than those with bare or stressed plots.
Farm-Size Based Loan Sizing
Automatically calculate the maximum loan amount based on the GPS-verified farm area and the configured input cost per hectare for the crop type — eliminating over-lending risk.
Seasonal Repayment Alignment
Define repayment schedules that align with the farming calendar — grace periods covering the growing season and a bullet repayment at harvest when the borrower actually has cash.
Crop-Specific Loan Products
Create separate loan product configurations for each crop type — maize, tobacco, cotton, soya — with different interest rates, tenure lengths, and input cost assumptions.
Historical Yield Integration
Incorporate a farmer's historical yield data from prior seasons into the credit assessment — giving the model a track record of productive capacity and repayment reliability.
Input Utilisation Monitoring
Track whether disbursed input loans were actually redeemed for inputs at agro-dealers — using voucher redemption data to flag farmers who received cash but did not purchase inputs.
Growing Season Monitoring
Link each active agri-loan to the NDVI monitoring module for the duration of the loan — giving credit officers an ongoing satellite signal of how the borrower's crop is performing.
Seasonal Portfolio Reports
Reports segmented by crop type, season, and geographic area — PAR ratios, collection rates, and NDVI health distribution — formatted for development finance institution reporting.
Built for your team
Lend to smallholder farmers with confidence — using satellite data, GPS farm boundaries, and yield history to make credit decisions that income statements cannot support.
Finance the input needs of your contracted outgrower farmers — with repayment structured around the harvest payment you control.
Deploy capital into agricultural value chains through a platform that provides the data transparency and audit trails your portfolio monitoring requirements demand.
Ready to activate Agri-Loan Management?
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