Banking the harvest
for every farmer.
Financial tools built for Africa's smallholder farmers — mobile money transfers, agricultural credit, and bank-grade access via USSD or Android app, regardless of your connectivity.
Bridging tradition and modern finance
For four years, Kilimo Fintech has worked to close the gap between Nigeria's smallholder farming communities and the financial services they deserve.
The Old Reality
- ❌ Long travel to bank branches
- ❌ Credit denied without collateral
- ❌ Harvest lost while waiting for loans
- ❌ No financial record-keeping
- ❌ Excluded from the formal economy
The Kilimo Way
- ✓ Send money from your field
- ✓ Credit tailored to harvest cycles
- ✓ Instant USSD access, no smartphone needed
- ✓ Build a financial track record
- ✓ Full inclusion in the economy
Works wherever you are —
connected or not.
Whether you have a feature phone or an Android smartphone, Kilimo Fintech is designed to meet you where you are.
USSD Banking
Dial a short code on any mobile phone — no internet, no smartphone, no problem. Transfer money, check balances, and apply for agricultural credit with just a few key presses.
- ✓ Works on 2G networks
- ✓ Supports all local languages
- ✓ Instant transaction confirmations
Android Mobile App
The full Kilimo Fintech experience in your pocket. View loan history, manage transfers, track your credit score, and access exclusive agricultural finance products with a clean, intuitive interface.
- ✓ Real-time notifications
- ✓ Full loan management dashboard
- ✓ Offline-capable core features
Every financial tool a
farmer needs to grow.
Mobile Money Transfers
Send and receive money instantly from your farm. Pay suppliers, collect sales revenue, and split costs with your cooperative — from any mobile phone.
Micro-lending & Farm Credit
Loans designed around farming seasons — not banking calendars. Get credit for seeds, equipment, and labour with repayment tied to your harvest cycle.
USSD Banking Access
Full banking access without internet. Our USSD platform works on any mobile network in Nigeria, ensuring even the most remote farmers can participate in the formal economy.
Smallholder Financial Services
Savings accounts, insurance-linked products, and cooperative finance tools designed for farmers at every scale.
Bank of Industry Integration
Active sandbox integration with the Bank of Industry, opening pathways to government-backed agricultural finance and formal credit lines.
Financial Record Building
Every transaction builds your credit history. Kilimo Fintech helps farmers establish formal financial identities, unlocking greater credit opportunities over time.
Real numbers.
Real farmers.
Where We Operate
Kilimo Fintech maintains an active sandbox integration with Nigeria's Bank of Industry, enabling a pathway to government-backed agricultural credit at scale.
Built from the ground up,
for the ground up.
We didn't adapt a generic fintech product for farmers. We built Kilimo Fintech from day one for the realities of agricultural life in Nigeria.
Community-First Inclusion
Our products are designed around the daily rhythms and realities of smallholder farming life — not the other way around. Every feature earns its place by serving real farmer needs.
Dual-Channel Access
USSD for low-connectivity environments. Android app for full-featured banking. We never leave a farmer behind because of the phone they own or the network they're on.
Security & Trust
Financial trust is sacred. Kilimo Fintech applies bank-grade security protocols to every transaction, so farmers can move money and access credit with full confidence.
Credit That Grows With You
Every interaction on Kilimo builds your credit profile. Farmers who start with a small loan can unlock progressively larger credit lines as their financial history develops.
Season-Aware Finance
Loan repayment schedules follow farming seasons — not arbitrary monthly deadlines. We understand that income in agriculture is cyclical, and we build products that reflect that reality.
Empowering Communities
When a farmer has financial power, their whole community benefits — from improved yields to local economic growth. Kilimo Fintech is invested in that ripple effect.
Start banking your harvest today.
Download the Kilimo Fintech Android app or dial our USSD code. Getting started takes less than 3 minutes, from anywhere in Nigeria.
We'd love to hear
from you.
Whether you're a farmer looking to open an account, an enterprise interested in our credit products, or an investor or partner curious about what we're building — reach out.
Send us a message
We typically respond within one business day.