Malawi's SME Credit Infrastructure

Empowering growth.
Unlocking
opportunity.

KulaPay is a credit infrastructure platform. We provide digital farmer identity, credit scoring, automated repayment, investment options, and financial knowledge KulaPay takes no balance sheet risk.

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AKMRJL+

50,000 farmers targeted by Year 3 · 60% women · 5% persons with disabilities

Digital Farmer Identity • Credit Scoring • Harvest Deduction

85%

Farmers lack bank credit

60-120%

Informal interest rates

Credit Infrastructure

Replacing land titles with
crop data

KulaPay is the bridge between Malawi's 3.8M farmers and the capital they need. No land title required. No balance sheet risk.

📍 Digital Farmer Identity

GPS-mapped farms. Cooperative-verified yields. Every loan builds the data moat.

1. Digital Farmer Identity

GPS-mapped farms. Verified yields. Purchase + sales history. The data moat.

📍 1,284 farmers profiled ✅ 100% GPS-verified

💰 Data moat → better scoring → lower defaults

2. Crop-Based Credit Scoring

Replace land titles with harvest data. 0-1000 score. Min 500 for loan. No land title required.

📊 1,102 farmers scored 🎯 Minimum 500 score for loan

💰 $450M unmet loan demand

3. Harvest Deduction Repayment

Buyer pays KulaPay first. Loan deducted before farmer gets paid. We get paid first.

🔄 94% auto-repayment rate 🤝 12+ buyers connected

💰 Secret sauce: <8% default vs industry 8-12%

4. Zero Balance Sheet Risk

KulaPay enables lending. Partners provide capital. We take fees. We enable, not lend.

📈 $4.5M loans by Year 3 ✅ $0 KulaPay lending exposure

💰 KulaPay balance sheet: $0 lending exposure

3.8M farmers need credit

85% have no bank credit

60-120% informal interest rates

$4.5M loans by Year 3

$0 KulaPay risk

The opportunity

Backing Malawi's credit infrastructure

KulaPay enables licensed lenders to serve 3.8M farmers. We take no balance sheet risk. We just make it work.

Credit infrastructure platform

We enable lending.

Digital farmer identity → Credit scoring → Input financing → Harvest deduction repayment. One platform. Zero balance sheet risk.

→ Digital Farmer ID (GPS-verified) → Crop-based scoring (0-1000) → Harvest deduction auto-repayment → 60-120% → 18% interest for farmers

How it works →

For Farmers & SMEs

Access fair credit without land titles. 15-18% interest vs 60-120% informal. Harvest deduction means you pay when you sell.

50,000 Farmers targeted by Year 3

60% Women beneficiaries

For Lending Partners

Access 50,000 credit-scored farmers without building origination infrastructure. Revenue share model. Lower risk via harvest deduction.

$4.5M Loan volume by Year 3

<8% Target default rate (PAR30)

Seed round · $350,000 USD

Back Malawi's agricultural credit infrastructure

85% of Malawian farmers cannot access bank credit. Informal lenders charge 60-120%. KulaPay is the bridge. 18-month runway. Break-even Month 14. Zero balance sheet risk.

$4M
Valuation cap

20%
Discount rate

18 mos
Runway

Month 14
Break-even

View pitch deck → Partner with us

Simple & Transparent

We enable lending. We Empower

KulaPay takes fees for origination, scoring, and repayment. Lending partners provide capital. Zero balance sheet risk.

📋

Loan Origination

of loan amount

Paid by borrower or partner Covers scoring & verification

Core revenue

💰

Interest Share

of interest collected

Farmer pays 18% → KulaPay takes 4% Lending partner gets 14%

💳

Wallet Transfer

$0.02

per transaction

Airtel Money · TNM Mpamba After telco split

👥

Cooperative Plan

$10

per month

Dashboard + bulk payments + member management

Year 3 projected revenue: $410,000 · Loan volume enabled: $4.5M · KulaPay balance sheet: $0 lending exposure

Trust & protection

Your money, your data, your identity — protected

KulaPay partners with licensed financial institutions and follows Reserve Bank of Malawi regulations. We build security into every layer — from farm to wallet.

Read our security commitment →

Lending partners

KulaPay enables. Licensed MFIs and banks provide capital.

Malawi Rural Finance · NEEF · Opportunity International

Data protection

Privacy-first design. Farmer data belongs to the farmer.

RBM compliant

Harvest deduction

Auto-repayment at crop sale. We get paid before the farmer spends.

Default target <8%

Agent verification

GPS-mapped farms. Biometric agent login. Daily reconciliation.

Live in Dedza

RBM Sandbox

Application Month 1

Payment System License

Target Month 6

SOC 2

Planned 2027

KulaPay is pursuing RBM sandbox access and eventual Payment System Provider license. Security certifications follow as we scale.

Pilot feedback coming soon

What farmers & cooperatives are saying

Real testimonials from our pilot farmers in Dedza will appear here. First loans disbursed Month 5.

Access for everyone

No smartphone? No problem.

KulaPay works on any phone. USSD *384# for farmers. Mobile app for advanced features. We built for Malawi — offline-first, accessible to all.

*384# Dial from any phone · No data required

Coming soon App Store

Coming soon Google Play

Agent-assisted Onboarding

🔓 USSD voice prompts for farmers with visual impairments · Agent-assisted onboarding for mobility barriers · 5% of portfolio for persons with disabilities

Empowering growth.Unlockingopportunity.

Replacing land titles with crop data