INSTANT PAY
Supporting Smallholder Farmers Get Paid Faster To Farm Stronger.
We know that for smallholder farmers, waiting weeks—or even months—for payment after harvest is more than an inconvenience. It’s a cash flow crisis that threatens food security, school fees, health care, and next season’s investment.
Our Instant Pay solution ensures smallholder farmers—especially in the coffee, cocoa, and vanilla value chains—get paid quickly, fairly, and transparently. We help farmers unlock the value of their crops the moment they deliver, eliminating dependency on predatory buyers and enabling them to reinvest immediately in their families and farms.
The Problem We’re Solving
Uganda’s smallholder farmers often face delayed payments and unfair pricing, especially in export crops like coffee, cocoa, and vanilla. Middlemen frequently pre-purchase crops before maturity at deeply discounted prices, then return at harvest to take the crop—locking farmers into poverty just to meet urgent needs like food, health care, or school fees.
With over 70% of Ugandans relying on agriculture and most farmers lacking access to formal banking, timely payments are critical to break the cycle of hardship
How it works
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Cooperative Partnership
We work through farmer cooperatives and producer groups that aggregate harvests and ensure quality standards. -
Produce Delivery, Instant Payment
When a farmer delivers their crop to the cooperative, Agripay advances up to 80–90% of the farmgate value immediately—within 24–48 hours. -
Market Sale & Final Settlement
Once the cooperative completes the sale to an exporter or processor, the remaining balance is paid, and Agripay is repaid from the transaction.
Why It Works
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Cash Flow When It’s Needed Most
Farmers don’t have to wait weeks for buyers to pay—freeing up capital for urgent needs or re-investment in their farms. -
Fair Pricing, Transparent Process
We work only with trusted partners to ensure farmers are paid fair, traceable, and timely prices. -
Flexible Repayment
Our model enables farmers to repay pre-season or clean energy loans at harvest—without pressure or loss of crop value. -
Eliminating Exploitation
Instant Pay removes the need for predatory pre-harvest selling, which often forces farmers to accept below-market prices for immature crops.
Let’s Build the Future of Fair Trade
Whether you're a cooperative, export buyer, or impact investor, Agripay’s Instant Pay model is a smart, secure, and socially responsible way to make agriculture work better for smallholder farmers—starting at harvest.