AgriCapital offers a mobile‑first agro‑credit platform that gives Colombian smallholder farmers instant short‑term loans to purchase seeds, fertilizers, tools and equipment from a network of over 1,000 allied agro‑stores. Loans are approved in under a minute, disbursed quickly, and can be repaid after harvest with transparent terms and no hidden fees, while the app provides real‑time balance tracking and payment scheduling.
Funding
$7.4M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Smallholder farmers in Colombia often lack immediate cash to purchase seeds, fertilizers, tools, and equipment, forcing them to delay planting or rely on costly informal lenders. Traditional loan processes are slow, require extensive paperwork, and are not aligned with agricultural cycles.
Solution
AgriCapital provides a digital agro‑credit platform that lets producers obtain short‑term loans directly from their mobile phones or through partner agro‑stores. Applicants submit basic personal data, receive an instant credit limit decision, and validate their identity via WhatsApp. Approved loans are disbursed quickly, allowing farmers to buy inputs at affiliated stores and repay the debt after harvest, with transparent terms and no hidden fees. The service integrates a network of over 1,000 allied retailers, enabling same‑day product pickup once the credit is confirmed. Throughout the process, users can monitor balances, make payments, and view transaction history within the mobile app.
Target Audience
Primary customers are small and medium‑scale Colombian farmers and agribusiness owners who need fast, affordable financing for agricultural inputs and equipment.
Features
- Mobile‑first application that captures personal data and provides an instant credit limit decision in under a minute
- Identity verification through SMS/WhatsApp and optional in‑store registration with allied retailers
- Pay‑as‑you‑harvest repayment schedule aligned with crop cycles, with clear interest rates and no hidden charges
- Integrated network of 1,000+ partner agro‑stores where approved purchases are delivered the same day
- Real‑time account management in the app, including balance tracking, payment scheduling, and transaction history
- Partnerships with major financial institutions to ensure legal compliance and loan security