Access to finance is a game-changer for smallholder farmers — yet many are locked out due to lack of credit history, collateral, or investment readiness. Green Tec Hub Limited acts as a strategic bridge between farmers and financial institutions by preparing farmers for funding and linking them to grants, micro-loans, and agricultural investment opportunities.
We equip farmers with the knowledge and systems they need to qualify for financing:
- Training on basic financial literacy, budgeting, and cost-benefit analysis.
- Record-keeping and income tracking for loan evaluation purposes.
- Assistance with group formations and SACCO (Savings and Credit Cooperative) registration to improve collective borrowing power.
Greentec scouts for agriculture-specific grants from NGOs, government programs, and international donor agencies. We:
- Guide farmers through the application processes.
- Ensure compliance with grant requirements.
- Monitor fund usage and report outcomes where required.
We work closely with banks, microfinance organizations, and fintech companies to design farmer-friendly financial products:
- We help lenders understand farmer needs, cycles, and risks.
- Financial institutions gain confidence in issuing loans because we de-risk the process by training and screening the farmers.
Case Study: In partnership with NCBA Bank, Green Tec helped facilitate micro-loans for farmers using digital platforms. With guaranteed market access and high-yield seeds, repayment rates exceeded 100% — boosting trust and enabling loan scale-up.
By improving farmer practices (better seeds, timed inputs, secured markets), we ensure yields are predictable and profitable — reducing the default risk for lenders.
We also provide yield estimates and buyer contracts as part of loan application packages to demonstrate cash flow potential.
We don’t stop at loan disbursement — Greentec continues to support funded farmers by:
- Helping them stick to agreed farm plans.
- Ensuring timely application of inputs.
- Supporting post-harvest management to meet output targets.
Farmers are finally able to invest in irrigation, inputs, or labor that was previously unaffordable.
Regular repayment creates a formal credit track record
Access to funding means farmers can grow and employ others, spreading economic benefits locally.
In 2023, over 80% of farmers supported through our finance linkage program successfully received loans or grants. These farmers reported a 2x increase in yield and an average income jump of 65%, with 70% of them reinvesting profits in the next planting season.
