Finance the Farmer. Strengthen the Agri Value Chain.

Connect farmers, buyers, input providers and banks through a structured agri-finance workflow that supports agricultural inputs, credit access and harvest payments.

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Working Capital for Every Stage of the Growing Cycle

Farmers need access to agricultural inputs before harvest, but input costs often come before income from crop sales. Grower Finance connects farmers with buyers, input providers and participating financial institutions to support this funding cycle.

Fauree's digital infrastructure supports the financing workflow, connecting farmer onboarding, forward sale agreements, credit assessment, input purchases, invoice-based early payment and harvest settlement.

Without financingInput costspaid up frontFunding gapCrop incomeafter harvestWith Grower FinanceInputs on credit + early paymentBank repaidSowingGrowingHarvestPaymentBuyer payment is routed through the farmer's bank account
Key Benefits Across The Ecosystem
Access to Agricultural Inputs
Help eligible farmers purchase required inputs on credit under the agreed arrangement.
Invoice-Based Early Payment
Allow farmers to request early payment against eligible generated invoices, subject to approval.
Structured Harvest Payments
Route buyer payments through the farmer's designated GCB Bank account, as outlined in the programme.

How Grower Finance Works

  1. FarmerFarmer onboards.
  2. Farmer ↔ BuyersFarmer secures a Forward Sale Agreement with the end buyer.
  3. Farmer → FinancierFarmer requests agri-finance. Signs joint liability agreement with SHG.
  4. Financier → FarmerBank reviews, underwrites and provides credit line to farmer.
  5. Farmer → Input ProviderFarmer purchases inputs from Input Provider on credit. Invoice is generated.
  6. Farmer → FinancierFarmer requests early payment against the invoice generated.
  7. Buyers → Farmer → FinancierFarmer sells harvest and secures payment from the buyer. Buyer payment is routed via farmer's account with Financier.

The Grower Finance Workflow

Grower Finance connects farmers, buyers, input providers and GCB Bank through a structured agricultural financing and repayment process.

  1. 01Farmer OnboardingThe farmer completes onboarding to participate in the financing programme.
  2. 02Forward Sale AgreementThe farmer secures a forward sale agreement with the end buyer.
  3. 03Agri-Finance RequestThe farmer requests agri-financing and signs a joint liability agreement with the Self-Help Group (SHG).
  4. 04Credit AssessmentGCB Bank reviews the application, underwrites the request and establishes a credit line if approved.
  5. 05Input PurchaseThe farmer purchases agricultural inputs on credit from the input provider, and an invoice is generated.
  6. 06Early Payment RequestThe farmer requests early payment against the generated invoice.
  7. 07Harvest Sale and PaymentThe farmer sells the harvest to the buyer, and the buyer's payment is routed through the farmer's GCB Bank account.

Why Fauree for Grower Finance?

Digital infrastructure connecting farmers, buyers, input providers and financial institutions.

01

Connected Financing Workflows

Bring farmer onboarding, credit assessment, input purchases and payment records into a coordinated digital process.

02

Better Transaction Visibility

Support visibility across the relationships between farmers, buyers, input providers and financial institutions.

03

Structured Documentation

Connect forward sale agreements, financing requests and generated invoices within the financing workflow.

04

Agricultural Value Chain Support

Help financial institutions and agricultural partners coordinate financing around the farmer's production and harvest cycle.

Grower Finance, Explained Clearly

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Build a More Connected Agri Value Chain.

Connect farmers, buyers, input providers and financial institutions through digital financing workflows designed around agricultural trade.

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