Tarfin is a mobile‑first marketplace that aggregates more than 1,200 authorized agricultural retailers across Turkey, letting farmers compare real‑time prices and order seeds, fertilizers, feed, and equipment for same‑day pickup. The platform provides zero‑interest, harvest‑time deferred payment contracts powered by a machine‑learning risk‑scoring engine, enabling cash‑free procurement aligned with the farmer’s revenue cycle.
Funding
$8M 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
Turkish farmers often face cash‑flow constraints and limited access to affordable credit when purchasing essential agricultural inputs such as seeds, fertilizers, feed, and equipment. Price transparency across retailers is low, and traditional financing options can involve high interest or collateral requirements, delaying input acquisition and affecting crop cycles.
Solution
Tarfin operates a mobile‑first marketplace that aggregates over 1,200 authorized sales points across 75 Turkish cities, allowing farmers to compare real‑time prices for a full catalog of agri‑inputs. Using a proprietary machine‑learning risk‑scoring engine, the platform extends harvest‑time (deferred) payment terms with zero interest and no hidden fees, effectively providing cash‑free procurement. Orders are placed instantly through the app and fulfilled by the nearest retailer, while secure, end‑to‑end encrypted data flows enable seamless verification and payment scheduling. This model reduces upfront capital needs, improves price competition, and aligns input financing with the farmer’s revenue cycle.
Target Audience
Primary customers are small‑ to medium‑scale Turkish farmers seeking cost‑effective, cash‑free access to agricultural inputs, as well as regional agricultural retailers looking to expand sales through the Tarfin network.
Features
- Mobile application with geolocation‑based price comparison for seeds, fertilizers, feed, and equipment.
- Network of 1,200+ authorized retailers covering 75 cities, enabling same‑day order pickup.
- Harvest‑payment option powered by a machine‑learning risk‑scoring model that assesses creditworthiness without collateral.
- Zero‑interest, fee‑free deferred payment contracts that settle via bank transfer or card on the farmer‑selected harvest date.
- Real‑time inventory sync and order confirmation, reducing order‑to‑delivery latency to under 4 minutes.
- Secure data handling with end‑to‑end encryption and role‑based access controls.
- Income‑Protected Sales Package that indexes repayment to market‑value crop yields, mitigating price volatility risk.