Building the missing link for African agri-finance.
Farmsky is an end-to-end AI lending and data infrastructure for smallholder farmers and the institutions that finance them.
Africa's agri-finance is broken.
50M+ smallholder farmers excluded from formal credit because traditional models weren't built for climate-exposed rural markets.
3.6%
Of total lending goes to agriculture.
22%+
Non-performing loans in agri portfolios.
83%
Of Kenyan smallholders lack formal credit history.
Three plug-and-play services.
Orchestrated end-to-end for verified borrowers and productive use.
Credit & data engine
AI scoring from M-Pesa history and satellite signals — under 10 minutes via USSD.
Closed-loop disbursement
Funds flow only to pre-approved agro-dealers and merchants.
Embedded insurance
Parametric weather-index insurance with M-Pesa payouts in 14 days.
Universal finance for every smallholder.
Climate-resilient, inclusive agricultural finance — powered by data and AI.
Anchored in Kenya. Scaling East Africa.
Active in Makueni & Machakos counties, serving the 6.5M Kenyan smallholders who produce 75% of national agricultural output.