Finance & Risk Intelligence
Understand Risk. Unlock Capital.
Yoharvest’s finance intelligence platform equips agri-lenders and stakeholders with powerful tools for assessing agricultural risk and determining creditworthiness. By combining land data, crop history, yield potential, and volatility metrics, the platform brings clarity and consistency to agri-financing and insurance decisions.
Where capital meets confidence.
Smarter risk profiles, faster funding decisions.
Lending to agriculture has always involved uncertainty but it doesn’t have to. This platform delivers a structured view of on-farm risk and potential, enabling institutions to standardize credit assessments, automate farmland valuation, and make more informed financial decisions.
Agricultural Credit Scoring
Generates standardized, data-backed credit risk profiles based on crop type, yield history, land classification, and volatility.
Earning Potential & Yield Analysis
Assesses expected productivity at both the parcel and enterprise level, helping align lending terms with actual potential.
Automated Farmland Valuation
Provides instant estimates of market value, rental income, and production capacity for parcels—no manual appraisals required.
Portfolio Insights & Field Mapping
Connects loans to specific farms and fields, allowing institutions to monitor productivity, forecast risk, and optimize exposure year-round.
Who It’s For
Agri-Lenders & Microfinance Institutions
Standardize underwriting, reduce defaults, and grow portfolios with confidence.
Agri-Insurance Providers
Underwrite smarter with visibility into yield volatility and land risk.
Development Agencies & Donors
Identify underserved but creditworthy farmers and measure impact across seasons.
Cooperatives & Agri-Banks
Support members with transparent, fair lending solutions backed by field-level insights.
Our Work Process
Identify
Collect historical and satellite-backed data to map field-level performance and risk factors.
Strategy
Generate credit scores and earning potential profiles for individual farmers, fields, or entire enterprises.
Implementation
Integrate insights into loan origination systems or partner directly with lenders to inform pricing models.
Integration
Synchronize with existing digital records, crop plans, and soil profiles for unified decision-making.
Frequently Asked Questions
How is the credit score calculated?
Scores are derived from multiple indicators including historical yield, land quality, crop type, volatility, and management history.
Can it be used without prior farmer records?
Yes. Satellite and historical land data can help generate a baseline score, even in data-scarce environments.
Is it compatible with existing lending platforms?
Yes. The tools are API-ready and can integrate with common loan management systems or CRMs.
Can smallholder farmers benefit?
Absolutely. It levels the playing field by offering objective, standardized risk metrics even for underserved segments.
What geographies are supported?
Initial deployments focus on Africa, with scalable models for other emerging markets.