Credit that grows with the harvest
Ekulibi finances farmers of every size and settles with the partners who buy from them, with repayment tracked from the field to the final sale, not just on a spreadsheet.
One
Shared record, from farmer to partner
In-kind
Loans repaid with the harvest itself
Direct
Partners settled on verified produce
Ghana
Built for where the harvest happens
From the first farm visit to the final settlement
Every step is tracked and reconciled, so a farmer's status is always current for the farmer and for the partner who buys from them.
- 01
Onboard & verify
A farmer profile is registered on the ground, with farm data and identity verified.
- 02
Score & disburse
Credit scoring evaluates each application before loans are approved and disbursed.
- 03
Repay with produce
Farmers repay in-kind: produce is submitted, valued, and applied to the loan balance.
- 04
Settle & report
Partners are settled on delivered produce, with a clear record for every transaction.
Real farms, real repayment
Ekulibi runs where the work happens: on the farm, at the drying mat, and at the mobile money kiosk down the road.
Grown
On the farm, from planting to harvest
Harvested
Produce collected and logged at the source
Settled
Partners paid, quickly and digitally
Repaid
Produce valued and applied to the loan, not cash
Built for every part of agricultural finance
From onboarding to settlement: one connected record, not a stack of disconnected tools.
Farmer onboarding & KYC
Structured registration, document capture, and verification built for field conditions.
Credit scoring
Farm and repayment data turn into a decision-ready credit grade for every applicant.
Loan management
Application, approval, and disbursement tracked from request to repayment in full.
Produce-based repayment
Farmers repay loans in-kind: produce submissions are captured, valued, and reconciled.
Partner settlements
Buyers, processors, and aggregators are settled against verified produce delivery.
Built on trust
Every transaction leaves a clear, reliable record for the farmer and the partner alike.
Ekulibi Farmer app
Your loan and your harvest, in your pocket
Track loan status, submit produce, and see repayment update in real time.
Soon
SoonAlready a buyer, processor, or aggregator partner?
Track produce deliveries, purchase orders, and settlements in real time from the Partner Portal.