Products & Services

ADVANCES ON DELIVERED AGRICULTURAL PRODUCE

We provide advances to small holder farmers based on future payments on agricultural produce that they have delivered to processing factories and that they are awaiting payments for. The advances are guaranteed by the processing factories.

FARM INPUTS LOANS

We provide loans to small holder farmers to purchase farm inputs such as seeds, fertilizers, crop protection and other production inputs, based on future payments on agricultural produce that they have delivered to processing factories, and that they are awaiting payments for. The farm input loans are guaranteed by the processing factories.

CAPTUREPesa APP SMART PHONE LOANS

We provide loans to small holder farmers to purchase Neon Kicka smart phones with CAPTUREPesa App installed, based on future payments on agricultural produce that they have delivered to processing factories and that they are awaiting payments for. The smart phones loans are guaranteed by the processing factories.

CAPTUREPesa SMARTCARDS

We have partnered with Mastercard and Direct Pay Online (DPO) to provide farmers Smart Cards that they will use.

CROP’S & LOANS INSURANCE

We have partnered with ACRE AFRICA (Agricultural Credit Risk Enterprise), an Insurance Service Provider based in Kenya, Tanzania & Rwanda. ACRE Africa works with local Insurers and other stakeholders in the agricultural insurance value chain, to develop agricultural insurance products to mitigate a range of agricultural risks.

To the farmer (the borrower), ACRE provides the “Multi-Peril Crop Insurance (MPCI) Covers, a product that enables farmers to insure their crop against risks beyond their control, including drought, storms, pests, and diseases.

To CapAGRI (the lender), ACRE provides the “Lending Institution Portfolio Cover” that insures our agricultural loans and advances to farmers. This insurance protects the entire value of the CapAGRI’s agricultural loan portfolio against non-repayment. Key benefits for CapAGRI include reduced losses due to default, reduced provisions for bad debts, increased lending and re-enforced risk management.