noema.agribusiness
Modern financing tools for modern farmers
Comprehensive Coverage of Agricultural Lending Products
Agricultural finance requires flexibility across multiple credit instruments, each serving distinct needs of farmers, agribusinesses, and input suppliers. noema.agribusiness supports a full suite of lending products already implemented and operational in the solution:
Instalment-Based Loans
Designed for working capital cycles, medium-term investments, and long-term agricultural development:
- Seasonal input loans
- Investment loans (equipment, livestock expansion, irrigation, storage)
- Medium and long-term mortgages for land acquisition or farm modernization All are supported with agriculturally appropriate repayment profiles, grace periods, and campaign-aligned cash-flow structures.
Revolving Credit Lines
For short-term liquidity needs, recurring seasonal operations, and input financing:
- Pre-harvest working capital
- Supplier financing and input-purchase facilities
- Multi-cycle renewals with automated rollover and exposure reconciliation
Letters of Guarantee
Supporting farmers and agribusinesses in procurement, leasing, and contract compliance:
- Bid and performance guarantees
- Advance payment guarantees
- Customs, tax, and regulatory guarantees
- Integrated collateral management ensures full compliance with internal policy and risk coverage rules.
Factoring (Including Master Agreements)
Built for agribusinesses with receivable-based financing needs:
- Individual invoices or portfolio assignment
- Master factoring contracts with dynamic limit management
- Automated verification and eligibility checks
- Integration with buyers, producers, and supply-chain documentation
Credit Cards
Supporting registered farmers and micro-enterprises with small working-capital instruments:
- Usage monitoring
- Limit reassessment linked to seasonal income
- Integration with repayments, collections, and exposure reporting
Loans Taken (Borrowings)
Support for loans taken by the financial institution (e.g., refinancing lines, credit facilities from partner banks, IFIs, or development funds):
- Proper classification, amortisation, and monitoring
- Allocation mechanisms linking borrowings to onward agricultural lending
- Full integration with collateral and treasury functions
Robust Collateral Management Across All Products
All credit products—whether installment loans, revolving lines, guarantees, factoring, credit cards, or institutional borrowings—are supported by a comprehensive collateral framework:
- Mortgages / land pledges
- Equipment and livestock charges
- Financial pledges & cash collateral
- Assignments of receivables
- Inventory / warehouse receipts