Outgrower Scheme Loans
Track input loans from disbursement through to harvest settlement — with automatic loan deduction from produce payment at outturn.
Outgrower Scheme Loans are designed for the specific structure of agricultural contract farming — where inputs are provided on credit and repayment comes from the proceeds of the harvest. YoApp tracks every farmer's input entitlement, monitors the loan through the season, and at harvest automatically calculates the net produce payment after deducting the outstanding loan balance. No manual calculation, no reconciliation disputes.
Everything you need, nothing you don't
Input Loan Disbursement
Disburse input loans as restricted digital vouchers (seeds, fertiliser, chemicals) or cash — directly to registered outgrower farmers. Every disbursement is linked to the loan record.
Linked Voucher Redemption
When a farmer redeems an input voucher at an agro-dealer, the redemption is logged against the loan record — giving a real-time view of input utilisation per farmer.
Season-Long Loan Tracking
Monitor every farmer's loan balance, input utilisation, and expected repayment through the growing season — with NDVI crop health data linked to the loan record where available.
Harvest Outturn Recording
Record each farmer's harvested produce by weight and grade at the collection point. The system calculates the gross value based on the configured buying price.
Automatic Loan Deduction
At harvest settlement, the platform automatically deducts the outstanding loan balance from the gross produce value and calculates the net cash payment due to the farmer.
Net Payment Disbursement
The net farmer payment is disbursed via mobile money or bank transfer — with an SMS to the farmer showing the gross value, loan deduction, and net amount paid.
Farmer Scheme Statement
Farmers can request their full scheme statement via SMS — inputs received, loan balance, produce delivered, deductions made, and cash received — at any point in the season.
Programme Manager Dashboard
A consolidated view of all outgrowers in the programme — total inputs disbursed, estimated harvest value, total loan exposure, and expected settlement — updated in real time.
Built for your team
Lend to smallholder outgrowers with confidence — linked to a physical produce delivery and an automatic repayment deduction that eliminates collection risk.
Manage your contract farmer base, track input loan recovery at the point of produce purchase, and generate programme reports for development finance partners.
Administer member input credit programmes — tracking every member's entitlements, loan status, and harvest deliveries — from one centralised platform.
Ready to activate Outgrower Scheme Loans?
Sign up free and configure Outgrower Scheme Loans in minutes — or book a demo and we'll walk you through it live.