Financial Inclusion Solutions

Enabling Digital Lending Services

By combining human interaction, alternative data, and machine learning, GROWTECH aims to overcome the significant data gap that hinders financial institutions from extending loans and providing services to smallholder farmers.

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Comprehensive Lending Solutions

GROWTECH connects funding from different FIs/MFIs/donors to rural & agriculture communities using technology & data analytics. This includes farm crop & risk management for farmers and lenders' credit risk management through remote monitoring & forecasting.

Integrated Platform

Single platform connecting farmers, lenders, suppliers, and markets for seamless financial inclusion

Risk Management

Remote monitoring and forecasting of credit risk throughout the entire crop cycle

Farmer Support

Crop & risk management services increasing yield while reducing input costs

Integrated Stakeholder Platform

Connecting all agriculture stakeholders through technology

We Are Working With Industry Leaders

Growtech has partnered with relevant stakeholders to bring this concept to reality

Banks

Micro-Finance

Insurances

Corporates

Mandi

Input Suppliers

New Credit Scoring Model

Growtech has developed a New Credit Scoring Model that provides a baseline for lenders to finance unbanked communities like smallholder farmers who have no prior formal financial footprint.

Farm-Based Revenue Units

Using farms as revenue units with data science analysis

Historical Productivity Maps

Risk assessment based on historical productivity data

Real-time Monitoring

Continuous risk monitoring throughout crop cycles

AI Credit Scoring Model

Expanding financial inclusion beyond banked communities

GrowPak eLoan Manager

Digital platform connecting applicants with multiple lenders, providing flexibility in loan selection based on portfolio, charges, and requirements.

Input-based Agriculture Financing

Collaboration with PMIC providing inputs instead of cash, with digital farm monitoring ensuring proper input usage

Commodity Backed Financing

Loans against Electronic Warehouse Receipts from accredited warehouses

Value Proposition

Mutual benefits for financial institutions and rural communities

For Financial Institutions

Risk aversion through farm monitoring
Access to GROWTECH farmers network
B2C insurance segment expansion
Contribution to food security & sustainability
Value added services to existing clients
Additional revenue source
Customer loyalty enhancement

For Rural Communities

B2C insurance availability
Access to credit for crops & livestock
Remote Sensing Technology reducing environmental impact
Agriculture expert assistance throughout crop cycle
Remote farm monitoring
Yield improvement & input cost reduction
Better product & price discovery

How It Works

Simple 4-step process to enable agricultural investment and lending

Open an Account

Download GrowPak and eLoan Manager apps or visit our website

Watch Tutorial

Create Finance Access

Browse listed farms to find the right investment opportunity

Monitor Growth

Track farm performance through GrowPak dashboard with real-time reports

Harvest Returns

Earn returns when crops mature and products are sold

GrowPak Dashboard

eLoan Manager Dashboard

Additional Services

Community/Individual Lending

Helping unlock financing from individuals who want to invest in agriculture projects with profitable returns and full transparency.

Agri Commodities Trading

Working with Pakistan Mercantile Exchange as broker for agri commodities trading and developing futures trading products.

Start Investing in Agriculture

Connect with profitable opportunities while supporting rural communities

Get it on Google Play

Visit our Agri Store

All investments protected with insurance integration and full transparency

Ready to Transform Agricultural Lending?

Join thousands of farmers and lenders who are already benefiting from our digital lending solutions.