Our Story
Smallholder farmers need a revolution at home and at the farm, and Agri-pay Ventures is here to finance it.
Why Agri-Pay Ventures?
Over 70% of Ugandans rely on agriculture for their livelihoods, yet more than 80% of smallholder farmers lack access to formal credit. Without capital, they are unable to purchase quality inputs, hire labor, access clean energy solutions, or invest in improved farming practices. Only 6% of farmers have access to irrigation, leaving them highly vulnerable to droughts and erratic rainfall.
In addition, post-harvest losses exceed 30%, and many farmers face exploitation from predatory traders who pre-purchase crops before harvest at unfair prices. This practice, known as advance buying, further cripples farmers' cash flow and limits their ability to reinvest in their farms at the critical planting time.
Most rural households also lack access to clean energy. Over 90% rely on biomass (wood and charcoal) for cooking, and only 57% have access to electricity, often from unreliable sources.
These challenges—capital gaps, exploitative advance buying, poor irrigation, and energy poverty—trap smallholder farmers in a cycle of low productivity and vulnerability. Agripay is addressing these gaps with pre-season and instant-pay financing, solar asset loans, and green credit for regenerative agriculture, enabling farmers to shift from mere survival to sustainable growth.
We have lived it, experienced it, and we are changing the story.
Agri-pay Ventures was born out of lived experience. Our founders come from generations of smallholder farmers. They have spent their entire lives rooted in agriculture—planting, harvesting, and enduring the same struggles their grandparents and parents faced.
What they saw was a pattern—deeply familiar, painfully persistent. The story of their grandparents was almost identical to that of their parents: a life of small-scale farming just to meet basic needs, with no room for growth or financial breakthrough. And unless something changes, that same story risks being told again through their children.
This cycle is fueled by more than just hard work—it’s defined by structural barriers. Farmers are forced to sell their crops early at low prices just to afford food, school fees, or medical care. They depend on rain-fed agriculture, with little access to irrigation or energy. Despite being the backbone of Uganda’s economy, smallholder farmers are locked out of formal financing systems and left to survive, not thrive.
Agri-pay was founded to break this cycle.
We believe smallholder farmers deserve more than survival. They deserve tools to grow, capital to invest, and technology to prosper. That’s why we built Agri-pay—to deliver flexible, clean-energy-powered financing solutions that meet farmers where they are, and help them grow beyond where they’ve been.
This is not just business—it’s personal. It's a mission to rewrite the future of farming in Uganda, one household at a time.