Buy farm inputs now, pay later – deferred credit from vetted suppliers.
Farmers lack access to credit facilities, preventing them from purchasing high-quality inputs like seeds and fertilizers.
InputPayLater partners with seed/fertilizer suppliers to offer BNPL for smallholders, with app-based approvals using basic farm data. Farmers scan QR at supplier, get instant approval up to $500/season, repay flexibly via mobile. Suppliers get paid upfront minus small fee.
Smallholder farmers without access to formal credit facilities
Supplier-integrated BNPL with QR scans, zero paperwork, focused only on verified input purchases.
friendly
Scan supplier QR to initiate purchase approval.
Instant yes/no based on profile and limits.
Supplier uploads invoice photo for release.
Schedule weekly/monthly payments via mobile wallet.
Suppliers view pending payouts and customer limits.
Track past buys and savings.
Request higher limits after good repayment.
SMS reminders with grace periods.
Self-service supplier signup.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | Yes |
| phone | text | No |
| credit_limit | int | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| qr_code | text | No |
| fee_rate | float | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| supplier_id | uuid | No |
| amount | int | No |
| status | text | No |
| due_date | timestamp | Yes |
Relationships:
/api/purchase/scanValidate QR and approve purchase
/api/purchasesList user purchases
/api/purchases/:id/verifySupplier verifies with photo
/api/repay/:idProcess repayment
1 supplier
Per season
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 2.5% | $105 | $1,260 |
| Month 6 | 900 | 5.5% | $1,755 | $21,060 |
Pay later with our supplier network. Instant approvals, no hassle.
Onboard 5 local input suppliers via cold emails/calls in one region; farmers come via supplier QR posters; incentivize first 10 with bonus limits.
Consumer BNPL
No ag focus or suppliers
Ag-specific, supplier QR integration
Exclusive supplier partnerships and repayment data for risk models.
BNPL explosion + supplier digitization in emerging markets.
High default rates
Strict limits, insurance partnerships
Supplier resistance
Revenue share incentives
Success: 5 suppliers interested
Success: 90% on-time repay
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