UfarmX's Farmer Credit Platform lets agro-dealers turn inventory into working capital for smallholder farmers by extending input credit with zero balance-sheet risk. The platform scores each farmer on over 200 data points in seconds, and an insurance guarantee covers defaults so the retailer is paid regardless of repayment outcomes.

Retailers onboard within a week, fulfill orders on instant credit decisions, and manage their credit portfolio through a SaaS dashboard. UfarmX reports 72-plus retailers across Nigeria, Senegal, Liberia, and Kenya using the service to grow revenue from farmers who could not previously afford inputs upfront.