Agri-Fintech Platform
Buy Now, Pay Later
Explore our flexible financing options with competitive terms!
Watch the video to find more about our mission and products.
How does our product work?
Step 1. Farmer places order
A farmer submits a purchase order to a selected dealer.
Step 2. Dealer submits application
The dealer collects the farmer’s information and sends it to WAYFINA.
Step 3. WAYFINA analyzes application
WAYFINA reviews the application and determines the financing amount.
Step 4. Farmer gets financing offer
The farmer receives the offer, signs the contract, makes 30% downpayment.
Step 5. Dealer gets WAYFINA’s payment
WAYFINA pays the outstanding balance to the dealer.
Step 6. Farmer repays dealer
After the harvest, the farmer repays the remaining 70% to the dealer.
Step 7. Dealer settles with WAYFINA
The dealer repays WAYFINA, deducting its premium and closing the deal.
WAYFINA’s platform fintech solutions
Fertilizers provider
Wayfertil is a private fertiliser manufacturing and trading company. Wayfertil focus on
trading of niche and speciality fertilisers and deliver tailor made logistics solutions
to customers.
Lending software for banks
Automate business lending processes – from the application and
preparation of documents to data verification, issuance, and repayments. A loan management
system for corporate and retail lending.
AI-powered credit scoring
A platform that automatically builds scoring models and analyzes
credit risk. Evaluate farmers by the criteria that is important to your business in a matter
of minutes — not weeks.
How we boost financial growth for agri SME
For banks and lenders:
- We create transparent and comfortable framework which speaks their language
- Identification – a detailed farmer portrait
- Automated loan management
- Credit scoring with AI
- Satellite monitoring of crops areas
- Historical field data and yield evaluation
- Crops insurance
For retailers:
- Reaching out more customers by securing payment terms
- Optimizing working capital by bridging with manufacturers and global capital market
For manufacturers:
- We create traceability system for their products
- Timely payments based on global capital market involvement
- Attractive social impact and international recognition
Coming soon:
- On-line agronomy advisory based on AI tools using weather forecast, soil test, crop photo
- Optimized order and delivery logistics based on group purchases
- On-line crops selling marketplace with transparent prices and optimized logistics