Every stage of agricultural finance, one system of record
Ekulibi connects onboarding, credit, disbursement, repayment, and settlement into a single, reliable record.
The full loan-to-harvest journey
Each stage feeds the next, so a farmer's status is always current for the farmer and for the partner who buys from them.
- 01
Onboarding & KYC
A farmer profile is registered on the ground, with farm data and identity verified.
- 02
Credit scoring
Farm data and repayment history are graded into a decision-ready credit score.
- 03
Loan disbursement
Approved funds reach the farmer, with the full application on record.
- 04
Produce repayment
The harvest is submitted, valued, and applied against the loan balance.
- 05
Collection & handling
Produce moves from collection point to warehouse, tracked at every stage.
- 06
Partner settlement
Partners are paid against verified, delivered produce. Nothing more, nothing less.
Produce repayment, tracked from the drying mat to the ledger
Reliable by design, not by exception
Farmers and partners are trusting real money to this record. It's built to earn that.
Encrypted by default
Farmer and partner documents are encrypted in storage and in transit.
A record for every step
Nothing is disbursed, repaid, or settled without leaving a clear, permanent record.
Built to be audited
The platform is designed for independent verification, not just internal use.
Purchase orders, produce, and settlements, all in one place
Buyers, processors, aggregators, and input suppliers each get a workspace scoped to how they source.
Purchase orders
Issue and manage purchase orders against farmer produce submissions.
Produce tracking
See produce move from collection point to warehouse in real time.
Settlements
Track settlement status and payment history for every transaction.
See the platform from a partner's seat
Purchase orders, produce tracking, and settlements, all live in the Partner Portal.