Accelerating Rural & Smallholder Finance
Introduction
The combined financing gap for smallholder farmers and small agri businesses in developing economies exceeds US$ 270 billion.

More than ever smallholder farmers and small rural enterprises need access to affordable finance to maintain their livelihoods, to safeguard food security and to adapt to the negative effects of climate change.  Many rural financial institutions are reluctant or incapable to provide the required financial services due to high operational costs, funding constraints and perceived high credit risk. With a combination of expert advisory services and low-cost digital tools we help to bridge that gap.

Who we are

We are an ex-ING Bank social enterprise specialized in rural financial services. We support our clients to ease access to finance through a combination of tailored advisory and low-cost technology services, thereby accelerating rural financial inclusion. With our long-standing operational experience in banking and rural finance, we are intimately aware of the key hurdles and challenges rural financial institutions face. We support our clients to ease access to finance through a combination of tailored advisory and low-cost technology services, thereby accelerating rural financial inclusion. With our long-standing operational experience in banking, rural and agrifinance, we are intimately aware of the key hurdles and challenges rural financial institutions face.

Our clients and partners include private enterprises, financial institutions, impact investors, foundations and NGOs.

We are headquartered in Amsterdam and have offices in Indonesia, Kenya, Uganda, Rwanda, Ghana and Cote d’Ivoire.

We design & deliver solutions

to accelerate financial inclusion for smallholder farmers across landscapes and agricultural supply chains at scale.

We use our data-driven agri analytics

and operational banking experience to design less risky, scalable and sustainable loan profolios.

We create investment opportunities

for banks, microfinance institutions and (impact) investors, at a much lower cost.

Our Goal
To facilitate the mobilization of affordable capital for rural agriculture in emerging markets at scale.
What we do

Fundraising Advisory


We support financial institutions, agri enterprises and other rural lenders with raising funds to invest in smallholder farmers and rural enterprises, helping to sustainably grow their business.

Technical Assistance for Financial Institutions


We provide financial institutions with strategic, technical and management support to develop their capacity and capabilities to improve their commercial, operational, financial and sustainability performance in rural and agrifinance.

Technology Solutions


Through the LendXS technology platform we provide low-cost flexible digital tools to rural financial institutions which can be tailored to their individual needs. The LendXS services include digital data collection, loan origination & monitoring, credit & climate risk scoring, impact measurement and digital payment solutions. The modular set-up allows lenders to integrate the LendXS digital solutions seamlessly with their existing systems, enhancing operational efficiency and improving productivity and risk control.

Investment Origination Support


We develop bankable rural investment portfolios for lenders through Data2Deal, a step-by-step approach that accelerates rural access to finance. See also the Data2Deal introduction video here

Preliminary Screening

Environmental, Financial Sector & Supply Chain Analysis

Data
Collection

Farmer Identification & Data Collection

In-depth Credit Risk Assessment

Data Analytics & Credit Scoring

Connecting Farmers to Lenders

Portfolio Development & Loan Origination

Execution & Structuring Support

Loan Structuring & Capacity Building

Monitoring & Evaluation

Credit and Environmental Risk Monitoring

Our Partners
Our track record
Technical Assistance under the EFSD Guarantee ‘NASIRA’
2024
Kenya

FACS provided technical assistance to improve I&M Bank’s MSME lending capacity under the Nasira Risk Sharing Facility. The project included reviewing the bank’s MSME strategy, products, and staff capacity; conducting market assessments and peer benchmarking; designing enhanced customer value propositions; and delivering training on best practices in MSME lending and risk management to support scalable and efficient loan distribution.

250
assignments in
40 Countries
…and counting
We work with partners across the globe to build capacity, bridge the gap & accelerate financial inclusion
Our Clients