Kora is the infrastructure layer that enables cooperatives to serve their farmers, and financial institutions to scale into agricultural credit — without building from scratch.
Annual financing gap for smallholder farmers. The capital exists — the infrastructure doesn't.
Farmers lack the data footprint that traditional lenders require. They can't be underwritten.
Cooperatives have the trust and reach — but lack the capital and infrastructure to serve their farmers.
We've built the full stack that makes agricultural credit possible.
Proprietary data infrastructure that makes farmers visible and underwritable.
Purpose-built routing through cooperative networks with full visibility.
End-to-end operations from disbursement to collection.
Cooperatives can finally serve their farmers. Banks, MFIs, SACCOs, and credit unions can access agricultural markets. We provide the infrastructure — they provide the capital and relationships.
You have the trust and the members. We provide the capital access and infrastructure so you can offer credit services your farmers need.
Banks, MFIs, SACCOs, and credit unions can scale into agricultural lending without building underwriting or distribution infrastructure.
DFIs, impact funds, and institutional investors get structured agricultural credit exposure with full visibility and execution handled.
Before Kora, our cooperative could only serve 200 farmers with our own capital. Now we've reached over 800 members with credit services. Our farmers finally have access to inputs when they need them.
Whether you're a cooperative, a financial institution, or an investor — let's see how Kora can work for you.
We've built what doesn't exist elsewhere: the complete infrastructure stack that makes agricultural credit underwritable, routable, and executable at scale.
Multi-source data integration that makes farmers visible and portfolios monitorable in near real-time.
Purpose-built capital routing through cooperative networks with structured repayment.
End-to-end: disbursement, verification, settlement, collection, and the Kira AI agent.
Dive into each pillar to understand how the infrastructure works.
The data infrastructure that makes agricultural credit underwritable. Near real-time feedback from on-ground agronomists integrated with satellite, weather, and cooperative data.
Real-time field intelligence that no satellite or database can capture.
Physical crop assessments, planting confirmation, and growth stage monitoring by trained agronomists.
Regular visits that capture qualitative data — farming practices, challenges, and household dynamics.
Pest outbreaks, weather damage, input issues — reported before they become defaults.
Agronomists deliver Kora-powered recommendations, then report back on farmer response.
| Data Source | Intelligence Value |
|---|---|
| Agronomist Network | Ground-truth verification, qualitative assessments, early warnings |
| Cooperative Systems | Transaction history, membership data, aggregation volumes |
| Satellite / Remote Sensing | Crop health indices, acreage verification, yield estimates |
| Weather Services | Hyperlocal forecasts, rainfall tracking, drought/flood risk |
| Market Data Feeds | Commodity prices, input costs, buyer demand signals |
| Mobile / USSD (Kira) | Farmer self-reported data, engagement patterns |
| Buyer / Offtaker Systems | Contract status, delivery confirmations, payment flows |
Near real-time feedback on farmer and portfolio health — not monthly reports, but continuous intelligence enabling proactive intervention before problems become defaults.
See how capital moves through the system.
The capital routing infrastructure that moves money from investors and financial institutions to farmers through cooperatives. Purpose-built for agricultural credit.
FPOs provide trust, reach, and member relationships. Financial institutions and investors provide capital. Kora provides the infrastructure that connects them. This separation is what makes scale possible.
Capital deployed into defined credit structures with clear terms, risk parameters, and return profiles.
Cooperatives receive credit allocations based on membership strength and track record — not their own capital.
Capital providers see exactly where funds are deployed, portfolio status, and repayment progress.
Automated settlement between vendors, FPOs, farmers, buyers, and capital providers.
See how credit actually reaches farmers and returns to capital providers.
The operational infrastructure that makes credit happen — disbursement, verification, settlement, and collection. End-to-end.
Direct payment to input suppliers — farmers receive goods, not cash. Reduces diversion and ensures productive use.
Ward-level ground-truth asset verification through local financial institutions. Physical presence where it matters.
Buyer offtake agreements linked to credit facilities. Structured repayment built into the harvest flow.
Harvest-linked repayment collection through buyer contracts. Aligned with farmer cash flows.
USSD-based farmer interface for transactions, advice, and account management. Works on any phone.
Every transaction recorded. Complete transparency for compliance and reporting.
Cooperatives, financial institutions, and investors — all on one infrastructure.
Kora serves cooperatives, financial institutions, and investors — each accessing the parts of the infrastructure they need to participate in agricultural credit.
Your cooperative has the trust, the members, and the reach. What you lack is capital and the infrastructure to manage credit. Kora provides both — so you can offer the financial services your farmers need.
Receive credit allocations based on your membership and track record — not your own capital reserves.
Track farmer credit status, repayment progress, and portfolio health through simple interfaces.
Disbursement, verification, and collection handled through Kora infrastructure. You focus on your members.
Offering credit services deepens member relationships and increases aggregation volumes.
Banks, MFIs, SACCOs, and credit unions want to lend into agriculture — but lack the underwriting data, distribution networks, and operational capabilities. Kora provides the complete infrastructure.
Access farmer-level and portfolio-level data that makes agricultural lending possible.
Reach farmers through established cooperative networks without building field presence.
Disbursement, verification, and collection infrastructure — you focus on portfolio management.
Infrastructure designed for repayment — aligned with farmer cash flows and harvest cycles.
We work with commercial banks, microfinance institutions, SACCOs, credit unions, and development finance institutions.
DFIs, impact funds, and institutional investors get structured agricultural credit exposure — with the intelligence, rails, and execution handled. You deploy capital and monitor performance.
Real-time visibility into portfolio health, risk concentration, and performance metrics.
Defined credit structures with clear terms — not individual farmer underwriting.
Repayment structures aligned with agricultural cycles — built into the infrastructure.
Complete transparency from deployment to collection for your reporting needs.
Whether you're a cooperative, a financial institution, or an investor — let's explore how Kora fits your needs.
Agricultural credit has a $240B gap. Not because capital doesn't exist — but because the infrastructure to deploy it doesn't. We're building it.
Investors want agricultural exposure. Banks want to lend. Farmers need credit. But cooperatives are undercapitalized and no infrastructure connects them all at scale.
FPOs have the trust, the members, and the reach. They just need capital access and infrastructure. We realized we could build that layer.
Intelligence to make farmers visible. Rails to route capital through cooperatives. Execution to make it all happen. Three pillars, one infrastructure.
We believe with the right infrastructure, agricultural credit can be as efficient as any other asset class. Cooperatives can serve their farmers. Financial institutions can access the market. Investors can deploy at scale.
We're building the infrastructure layer for agricultural finance. If you're a potential partner, let's talk.
Whether you're a cooperative, a financial institution, or an investor — we'd like to hear from you.
We work with farmer cooperatives looking to serve their members, financial institutions seeking agricultural market access, and investors deploying capital into the sector.
We respond to every serious inquiry.