Digital lending for agriculture uses technology to help farmers access loans, inputs, or credit through mobile apps and digital systems.
These platforms leverage data, alternative credit scoring, and automated processes to make it faster and easier for smallholder farmers to get financing for seeds, fertilisers, equipment, or crop production.
Here are the Top 5 Digital Lending Platforms for Agriculture in Africa (Q4 2025, based on verified operations and impact):
— ThriveAgric (Nigeria): One of Africa’s leading agri-fintechs. ThriveAgric assesses crop and farmer data to provide loans for seeds, fertilisers, and other farm inputs, helping smallholders scale production.
— Emata (Uganda): A digital lender designed specifically for farmers. Emata uses AI-driven risk analytics to automate credit scoring, loan disbursement, and repayment tracking for smallholder farmers.
— Crop2Cash (Nigeria): Works with banks and fintechs to provide farmers access to credit, farm inputs, and insurance. Crop2Cash supports mechanisation tools and repayment plans tailored to farmers’ cycles.
— AgroCenta / LendIt (Ghana): Part of AgroCenta’s digital ecosystem. LendIt connects farmers, financial institutions, and buyers to streamline lending and improve access to working capital across Ghana’s agriculture sector.
— Oko Finance (Kenya): A mobile-centric microfinance platform that provides smallholder farmers with loans for crop production, inputs, and farming equipment, helping East African farmers increase productivity.
These five platforms are redefining how farmers access capital in Africa. By combining digital tools, data-driven credit scoring, and mobile access, they’re making loans more accessible, affordable, and directly tied to agricultural production, helping smallholders unlock more productivity and income.
The list was selected based on Africa-based digital lending platforms with verified agricultural lending operations. Platforms were validated through public sources, including fintech directories, news coverage, and company documentation.
Priority was given to companies actively providing loans, inputs financing, or credit to smallholder farmers, with proven product-market adoption and measurable impact across sub-Saharan Africa.
Image Credit: Freepik
