Emata | For Farmers

For farmers

Want access to Emata loans?

Emata gives farmers access to affordable digital loans — but always through their cooperative, processor, or buyer. We work hand in hand with the companies you sell to, helping you grow your farm.

If your cooperative or buyer doesn’t yet work with us, you can suggest them below — and we’ll reach out to explore a partnership.

Fast & Simple

Applying for an Emata loan takes less than five minutes — your cooperative agent helps you apply via WhatsApp. No long forms, no bank queues, no hidden steps. Once approved, the money hits your mobile money account within minutes.

No Collateral

You don’t need land titles, security, or collateral to qualify. Emata uses your delivery history and consistency to calculate your loan limit — rewarding your hard work, not your paperwork.

Built for Farmers

Our loans are designed around how farming really works: money arrives when you need it most — between harvests — and is repaid when you earn, through your deliveries. Whether you need cash, school fees, or farm inputs, Emata grows with your harvest.

Suggest an emata partner

Learn how we work with partners

How it works

A 5-step guide to Emata

Step 1: You belong to a cooperative or company that works with Emata

We don’t lend directly to individuals. Instead, Emata partners with the company or cooperative you sell your milk, coffee, cocoa, or crops to.

Your buyer helps us understand your deliveries, quality, and consistency — turning that data into your loan limit.

Step 2: You become eligible for an Emata loan

Once your cooperative or buyer is digitized through Emata, our system automatically calculates your credit limit.

You submit zero paperwork. No collateral. Your eligibility is based on your delivery record.

Did you know that a farmer receives an automated SMS when their delivery is registered in the Emata MIS?

Step 3: You apply through your agent

When your cooperative is connected to Emata, you can apply for a loan through your agent — the same person you already sell harvest to.

Applications are made through WhatsApp and approvals are instant.

Step 4: You get the loan on mobile money or as inputs-on-credit

Your loan is sent straight to your phone via mobile money — or to your input provider, school or health insurer.

You use it to invest, pay school fees, or cover emergencies.

Working in a high-risk area or crop? Ask us about our crop insurance!

Step 5: You repay automatically through produce sales

When you deliver your harvest or milk, a part of your payment goes toward your loan repayment.

If you repay well and continue delivering to our partner, your credit limit will increase!

Let's feed the world!

Africa can – and must – help cover our world's growing food needs. That growth starts with you.

Africa holds 60% of the world’s remaining arable land — yet most smallholder farmers still lack the finance to make that land truly productive.

When farmers access affordable credit, everything changes: they can invest in better inputs, harvest more, earn more, and strengthen food security for their communities — and the world.

→ Together, we’re turning potential into production.