Instant Cash from Stored Cereals
Financing

Instant Financing Access

Many farmers and traders in Kenya and across East Africa struggle to get affordable loans. Fewer than 5 out of 100 smallholders can access structured financing. Because of this, many people sell their grain right after harvest, when prices are lowest, just to pay school fees, buy food, or settle debts.At agriBORA, we believe farmers should not have to sell in a hurry. That’s why we offer Instant Financing Access through our electronic Warehouse Receipts (eWRS). This service turns your stored grain into cash quickly and safely without needing land title deeds or other traditional collateral.
The agriBORA Solution

The Problem Farmers Face

During harvest, you may have plenty of grain but very little money. Without credit, many are forced to sell grain early at poor prices. This reduces income and keeps farmers trapped in a cycle of low returns. Families often need cash for:

The agriBORA Solution

When you store your grain in an agriGHALA certified warehouse, you receive an electronic Warehouse Receipt (eWRS).
This receipt proves ownership of your grain and can be used to access a loan.

Through our network of banks, SACCOs, and microfinance partners, you can borrow up to 70% of your grain’s value.
You stay in control of your grain and do not lose ownership.
You borrow when you need cash and sell later when market prices are higher.

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Instant Cash from Stored Cereals

Instant Financing Access

At agriBORA, you can turn stored cereals into quick cash using electronic
Warehouse Receipts (eWRS). Here is how the financing process works.

  1. Step 1: Store Your Grain

    Take your harvest to a certified agriGHALA warehouse. It is graded, tested, and stored safely.

  2. Step 2: Receive Your eWRS

    You receive a digital Warehouse Receipt that confirms ownership and value of your stored cereals.

  3. Step 3: Apply for a Loan

    Use the eWRS as collateral to request a loan through our system. The process is quick and paper-light.

  4. Step 4: Get Cash

    Our bank and SACCO partners disburse funds promptly, helping you meet family or farm needs.

  5. Step 5: Sell and Repay

    When you sell your grain later, part of the proceeds clears your loan and any balance goes directly to you.

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