We make smallholder farming in Africa pay
Emata is a Ugandan fintech and licensed MFI. We embed finance directly into agricultural value chains, so farmers can invest in their farms, and agri companies can plan with confidence.
Emata's uses proprietary AI credit scoring built on agricultural behavioral data — delivery patterns, volumes, seasonality — to offer farmers loans.
Because when farmers grow, companies grow — and Africa grows.
The management team
Bram
van den Bosch
CEO & Co-founder
Lillian
Nassanga
CPO & Co-founder
Davis
Agaba
CTO & Co-founder
Dario
Rafaele
CAIO & Co-founder
Maren
Hald Bjørgum
CCO
Send me an email: hello@emata.io
Our story
2020
We started Emata out of our frustration that African banks were not using new tech and big data to finance farmers.
Farmers account for 20-30% of African economies but only receive a fraction of loans.
In March 2020, we set out to solve agricultural financing! In December, we received our Microfinance License in Uganda.
Farmers account for 20-30% of African economies but only receive a fraction of loans.
In March 2020, we set out to solve agricultural financing! In December, we received our Microfinance License in Uganda.
2021
2022
We expanded from dairy into maize, oilseeds & coffee.
We also joined the Norrsken Impact Accelerator in Stockholm, Sweden.
We also joined the Norrsken Impact Accelerator in Stockholm, Sweden.
2023
We raised a $2.4 million seed round backed by African Renaissance Partners, Norrsken VC, DRK Foundation, Zephyr Acorn, Marcus Boström & the Dutch Embassy.
We were also named "Best Newcomer" in the world at the Global Startup Awards!
We were also named "Best Newcomer" in the world at the Global Startup Awards!
2024
This was the year for scaling up. We added new partners, new value chains, and expanded our reach across Central, Southwest, West and Northern Uganda.
2025
Our best year to date! Welcomed giants like Sucafina and JESA to the Emata partner family.
Rolled out village trader loans, scaled up our crop insurance, and expanded our financial offerings for farmers.
Rolled out village trader loans, scaled up our crop insurance, and expanded our financial offerings for farmers.
And now?
We are rolling out across East Africa, and exploring new value chains.
Do you want to partner with us? Reach out!
Do you want to partner with us? Reach out!
Emata is a licensed Microfinance Institution. Visit us at our offices in Kampala and Mbarara for a glass of milk and a demo.
Call us: +256 (0) 741 445 718