Peer-to-peer credit for smallholder farmers to buy seeds and fertilizers instantly.
Farmers lack access to credit facilities, preventing them from purchasing high-quality inputs like seeds and fertilizers.
FarmLendr connects smallholder farmers directly with other farmers and informal lenders for quick micro-loans tailored to input purchases. Farmers post their needs with farm photos and yield history, getting matched and funded in days without banks. Lenders earn interest while supporting community agriculture.
Smallholder farmers without access to formal credit facilities
Pure P2P network focused exclusively on input financing, using farm-specific social proof like crop photos for trust.
supportive
Upload farm details, photos, and yield history to build credibility.
Create loan requests specifying amount, purpose (inputs), and repayment terms.
AI matches requests to lenders based on risk profile and location.
Funds held in escrow, released to input suppliers upon purchase proof.
Automated reminders and partial payments via mobile money integration.
In-app chat between borrower and lender.
Display on-profile reputation score based on past loans.
Form farmer groups for larger loans with joint liability.
Insights on portfolio performance for lenders.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| phone | text | No |
| role | text | No |
| farm_size | int | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| borrower_id | uuid | No |
| lender_id | uuid | No |
| amount | int | No |
| status | text | No |
| repayment_due | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| loan_id | uuid | No |
| amount | int | No |
| type | text | No |
| timestamp | timestamp | No |
Relationships:
/api/users/profileCreate or update user profile
/api/loansPost new loan request
/api/loansList available loan requests
/api/loans/:id/fundFund a loan request
No group lending
Up to 5 loans/mo
Unlimited
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 100 | 2% | $70 | $840 |
| Month 6 | 800 | 5% | $1,400 | $16,800 |
Join thousands of farmers lending and borrowing peer-to-peer for seeds and fertilizers.
Reach out to 50 smallholder farmers via WhatsApp groups in farming cooperatives in India/Kenya; offer free Pro access for first loan; interview for feedback post-first use.
Global reach
Slow funding, not P2P farmers
Farmer-only P2P with input escrow
Network effects from growing lender/borrower base and proprietary farm data for matching.
Rising mobile money adoption in rural areas and post-COVID fintech boom for ag.
Lending regulations vary by country
Start in lenient markets like Kenya, partner with licensed MFIs
Low digital literacy among farmers
Voice-guided onboarding and local agent support
Success: 80% express interest
Success: 3 successful loans
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