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“The past years have demonstrated that neither commercial banks nor the emerging micro finance institutions are willing or able to sufficiently meet the financial needs along agricultural value chains, leaving farmers and agricultural sme’s unserved in the so-called “missing middle”. There is a broad consensus that existing mechanisms for agricultural finance are not adequate and that we need to move to innovative and market-based approaches that are scalable and can reach a large number of beneficiaries.” – International Finance Corporation (IFC)


The agricultural sector in emerging countries need finance to increase productivity and income. This growth is needed to feed the rising world population.
Commercial banks often don’t focus on the agricultural sector due to a lack of capacity to assess the perceived risks which prevents them from designing suitable loan products for the farmers and agri sme’s.

KILIMO FINANCE wants to offer these banks an alternative. With the experience of the founder KILIMO Finance has developed high potential agri loan products on a digital platform in combination with the Kilimo App.

Banks who choose to use KILIMO FINANCE’s agri-finance solutions can hit the ground running and can enter the agri sector with loan products within 3/4 months. Due to KILIMO FINANCE’s full automated loan process which is connected to the bank’s core banking system the bank saves time, costs, and start earning returns quickly.

Mission Statement

KILIMO FINANCE’s mission is to become the preferred global platform to support financial institutions with digital agri-finance solutions for farmers and agribusiness SMEs.