This initiative provides short-term cash loans to farmers via mobile wallets (M-Pesa) to fund agricultural activities. Loans are linked to verified produce sales (e.g., tea) and repaid through checkoff systems or direct repayments.

• Active farmers/aggregators in approved value chains (e.g., tea, dairy).
• Registered members of cooperatives/factories for at least 6 months.
• Ages 18–75 with valid national ID.

Farmers can self-register via DigiFarm's USSD *944#, the registration will be linked to the factory registration for approval. Mandatory KYC includes ID, location, and farm details.

Farmers: Up to Ksh 50,000 (based on credit score and historical earnings).

Farmers are scored through a combination of variables drawn from:

• CRB status (loan repayment history).
• Factory payment history (e.g., tea sales consistency).

Higher scores increase loan limits (up to 100% of average earnings).

• Interest: monthly (deducted upfront).
• Platform fee: 1% of the loan amount inclusive of 20% excise duty.

Loans are disbursed instantly after approval, which typically takes 1–2 days post-KYC validation.

• Checkoff system: Repayments are automatically deducted from your produce sales via factory/buyer platforms before final payment to you
• M-Pesa: Send funds to DigiFarm's Paybill number by dialling *944# (partial or full payments allowed).

Early repayments may qualify for incentives (e.g., discounted interest, airtime rewards).

• Bi-weekly SMS reminders.
• Defaults may affect future credit limits and CRB status.

• Factory/farm data (e.g., sales history) validates eligibility and creditworthiness.
• Data is encrypted and shared only with consent under strict agreements.

• DigiFarm handles Farmer onboarding, credit scoring (first level), and SMS reminders.
• Loan disbursement

• Loan approval
• Loan funding, KYC validation, and collections.
• Regulatory compliance and risk management.

• Physical verification of farms and NI (National ID) push authentication.
• Transaction monitoring for suspicious activity.

Through DigiFarm USSD code *944*#

DigiFarm Support: / +254-701944944