Agricultural Credit Scoring That Actually Works

YieldRank transforms farm data into credit intelligence, enabling lenders to confidently finance Africa's agricultural future with AI-powered risk assessment.

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Africa’s Agricultural Financing Gap: The Numbers Behind the Challenge

80%

of African smallholder farmers lack access to formal credit

$100B

agricultural financing gap across Sub-Saharan Africa

25%

typical loan default rates due to poorly assessed risk

2-4

weeks for manual farm assessments at $50-200 per application

Why Traditional Credit Scoring Fails Farmers

No Financial History

Traditional credit scoring depends on formal financial records that most farmers simply don't have, operating largely in informal economies.

Unique Agricultural Risks

Climate variability, soil conditions, pests, and market volatility create risk factors that traditional models completely fail to capture during assessments.

Slow, Expensive Assessments

Manual farm evaluations and field visits take weeks and cost $50-200 per application, making small loans economically unviable for lenders.

The YieldRank Solution

A credit scoring model that prioritizes yield potential, agronomic performance, and on-ground realities over traditional financial history—ensuring productive farms are visible, assessable, and financeable, even without formal records.

Forward-Looking Credit Intelligence

YieldRank doesn't ask "Did this borrower repay in the past?" Instead, it asks: "Given this farm's agronomic, climate, and market conditions, how likely is repayment?"

By synthesizing alternative data streams into actionable credit scores, YieldRank makes the financially invisible investable based on productive potential, not paperwork.

Updates monthly throughout the crop cycle, providing a living view of risk aligned with actual farm performance.

Core Data Pillars

Agronomic Intelligence

Assess productive capacity with crop-soil suitability, historical yield data, and real-time satellite crop health monitoring

Climate Risk Profiling

Alternative Financial Proxies

Who YieldRank Serves

YieldRank is designed for institutions financing agriculture at scale, helping them reduce portfolio risk and expand rural credit access.

Commercial & Development Banks

Seeking to reduce portfolio risk and improve loan performance.

FinTech & Digital Lenders

Offering instant, API-driven farm loans with accurate risk assessment.

Microfinance Institutions & Cooperatives

Expanding rural credit access to underserved farmers safely.

Agribusiness Aggregators

Providing inputs or offtake financing with greater confidence.