What we offer today
It is one service, and it works today. We started by understanding the lender, because that is where financing is unlocked: how a lender thinks, what it asks for and what conditions make it lend. The same work serves the lender who decides, the guarantor or insurer who stands behind the loan, and the farmer, group or agribusiness whose case has to meet the standard a lender expects.
A person always makes the decision. LitFin Intelligence never lends, holds money, insures or guarantees.
Lenders speak of individual lending and group lending, and of the quality of the whole portfolio. LitFin Intelligence works at each of those levels, in English or Swahili, one language at a time.
What you get
Not a verdict. The reading, with its reasons, so the person who decides can see what the decision would rest on.
Every page, including the ones that arrived as photographs of a handwritten ledger. A page that could not be read is named plainly, not passed over.
Written the way a credit committee reads one: the questions this file raises, answered from the evidence in it.
Whether the season can carry the loan: the cash, the calendar, the security and the terms, set against the lender's own policy.
The risks the file carries, each one named, with what raised it and what would settle it.
A figure comes with the page it was read from or the calculation that produced it. An assumption is labelled as an assumption.
The gaps in the file, starting with the one that would most complete it.
Who benefits
Each of these readers has a page of their own.
Banks and microfinance institutions: a file you can question line by line and decide on
See what you getWhat your guarantee or your cover stands behind, written down
See what you getFarmers, groups and agribusinesses: your case prepared to the lender's standard
See what you getEveryone else a farming season depends on, from the input supplier to the buyer, has a section on one page.
Who it is forWhere it stands
The part being built, and how all of it fits together, has a page of its own.
How it worksWe are an early-stage company in Dar es Salaam. We have no customer logos to show yet, and we publish no figure we cannot source.
How to start
If you lend, guarantee or insure: send us a few agricultural files you have already decided. A redacted file or a representative sample is fine, and we will tell you exactly what we need before you send anything.
Talk to usIf you farm, lead a group or run an agribusiness: tell us what you want to finance and what records you have. We prepare your case to the standard a lender expects, for the lender you choose. The lender decides.
Bring your caseDeeper reading
How a file is worked, told once and in full.
What is read on each page, and what is said about a page that could not be read.
Read itWhat a credit committee is handed, section by section.
Read itWhere the judgement comes from, and how to question it.
Read itWhere the work stops, and why the line sits there.
Read itSend us a file you have already decided, or tell us what you want to finance. We will say plainly what we can do with it today.