The Farmer Cash Advance is a loan product designed to provide smallholder farmers with immediate cash payments for produce delivered to buyers/aggregators. It bridges the gap between harvest delivery and buyer payment cycles, allowing farmers to access funds quickly via mobile USSD (*944#).

• Farmers deliver produce to a registered buyer/aggregator.
• Buyers upload delivery data to the DigiFarm platform.
• Farmers qualify for a cash advance (via USSD *944#) based on their deliveries.
• Loans are disbursed to the farmer's M-Pesa wallet.
• Buyers deduct repayment from the farmer's final payment and repay DTB.

Tea, Dairy, Sugarcane, Potato. Additional value chains may be added later.

• Farmers: Must be registered with a buyer/aggregator, provide KYC details (ID), and have consistent delivery records.
• Buyers: Must be registered businesses with 3+ years of operation, good credit history, and valid registration documents.

• Register on DigiFarm via USSD *944#.
• Accept loan terms and conditions.
• Check eligibility after delivering produce to your buyer.
• Receive an SMS with your credit limit and draw down funds via USSD.

• National ID.
• Valid mobile number linked to M-Pesa.

Your limit depends on:

• Volume of produce delivered (up to a % set by your buyer).
• Your credit history (CRB checks).

Loan limits are updated twice monthly (13th and 25th).

Funds are disbursed instantly to your M-Pesa wallet after approval.

No action needed! Repayment is automatically deducted by your buyer from your final payment.

• Interest: Up to 7% per month disclosed at loan opt in.
• No upfront fees. Late repayment penalties (if any) are borne by the buyer.

No. You can only access one loan per buyer at a time.

• Registered business with 3+ years of operation.
• Valid KRA PIN, audited accounts, and good CRB rating.
• Stable financial history (6+ months of bank/MPesa statements).

• After deducting the farmer's loan obligation, you repay DTB directly from your account.
• The DigiFarm platform automates repayment tracking.

DTB evaluates your business using the "5 Cs of Credit" (Character, Capacity, Capital, Collateral, Conditions) to set a limit.

Buyer's bear repayment responsibility. Ensure accurate delivery data and deductions to minimize risks.

Contact DigiFarm support at 0701944944 or visit your nearest agent.

Farmer/buyer data is secured through encryption and only shared for loan processing under strict agreements.

Report issues via the DigiFarm platform or DTB. Disputes are resolved through joint investigations.

• Instant Disbursement: Funds sent to M-Pesa.
• Flexible Tenure: 30 days (tea/dairy) to 180 days (sugar).
• No Collateral Required: Loans are based on delivery records.

Farmers: Dial *944# or call 0701944944