The Process

How It Works

Get the funding you need in five simple steps. Our streamlined process makes applying for a farm loan easier than ever.

1
Step One

Apply Online

Fill out our simple online application form with your personal details, farm information, and loan requirements. The form takes just 10 minutes to complete.

  • No paperwork required
  • Secure & encrypted
  • Available 24/7

Online Application Form

2
Step Two

Asset Valuation via API

Our system automatically values your farm assets using our integrated API. We assess equipment, livestock, crops, and land to determine your collateral value.

  • Automated valuation
  • Chainlink price feeds
  • Real-time accuracy

Asset Valuation System

3
Step Three

Credit Score Calculation

We calculate your initial credit score based on your payment history. If you've maintained 90%+ on-time payments elsewhere, you get an automatic +100 bonus points.

  • Dynamic scoring system
  • +50 points per on-time payment
  • 100-point bonus for 90%+ rate

Credit Score Engine

4
Step Four

Collateral Locking with Web3

Upon approval, connect your wallet to lock collateral via smart contract. Chainlink provides verified valuation, and thirdweb deploys your secure lock contract.

  • Blockchain security
  • Smart contract automation
  • Instant verification

Web3 Integration

5
Step Five

Receive Funds & Make Payments

Get funded directly to your bank account. Make easy payments through Paystack, and watch your credit score grow with every on-time payment.

  • Multiple payment methods
  • Auto-pay available
  • Score updates in real-time

Funds & Payments

Automated System

Smart Payment Triggers

Our system automatically handles credit score updates whenever payments are processed.

Trigger

Payment Updated

Action

Update Loan: Credit Score = Previous + (On-time ? 50 : -20)

Instant Updates

Score updates happen immediately when payment is processed

Secure & Transparent

All score changes are recorded on blockchain for transparency

Full History

View your complete payment and score history on dashboard

From Application to Funds in 5 Steps

Our streamlined process gets you funded faster than traditional lenders.

1

Apply Online

10 minutes

2

Asset Valuation

Automated - instant

3

Credit Score

Calculated instantly

4

Collateral Lock

Via smart contract

5

Receive Funds

Within 24 hours

Why Farmers Choose Us

Average Approval Time Under 24 hours
Approval Rate 98%
Happy Farmers 10,000+

Ready to Get Started?

Join thousands of farmers who've transformed their operations with smart financing.

Apply Now

Still Have Questions?

Our team is here to help you every step of the way.