Our Core Mechanism

Risk-Mitigated Lending Infrastructure

Puno provides the financial plumbing that connects smallholder farmers to capital, ensuring inputs today and repayment only after harvest. We empower institutions to invest confidently in Africa's agricultural future.

AI-Powered

Credit Scoring

Guaranteed

Off-take Markets

Post-Harvest

Repayment

The Puno Engine

Our Three Pillars of Impact

Our integrated platform streamlines the agricultural value chain, creating a robust ecosystem where farmers thrive and capital flows securely.

AI Credit Scoring

Input Distribution

Guaranteed Off-take

Leveraging non-traditional data and yield indicators for precise farmer risk assessment, unlocking access to finance.

Facilitating the delivery of quality seeds and fertilizers on credit, directly to smallholder farmers.

Securing buyers for farmers' yields, ensuring a reliable market and automated repayment post-harvest.

For Smallholder Farmers

Grow with Confidence

Access Capital

Inputs Today, Pay at Harvest

Receive essential seeds and fertilizers without upfront costs. Our digital voucher system simplifies access, allowing you to focus on your crop.

Secure Your Future

Reliable Market Access

Puno connects your harvest to guaranteed buyers, ensuring prompt payment and a clear path to repayment once your yield is sold.

For Financial Institutions & Retailers

De-risking Agricultural Investment

Our platform provides a comprehensive risk architecture, enabling banks and agricultural retailers to confidently extend working capital to smallholder farmers.

Automated off-take agreements and AI-powered credit scoring mitigate risk, transforming previously unbanked farmers into viable lending opportunities.

Ready to Build Resilient Food Systems?

Connect with our team to explore how Puno's infrastructure can integrate into your operations and drive impact.