AgroVesta Refined Business Model v2.1
Four money-making engines · Farmer never touches cash · Closed-loop agricultural economy
AgroVesta
REFINED MODEL v2.1
4 Revenue Engines
Cashless Farmer
Closed Loop
📈
ENGINE 1
Investor Marketplace
Investors fund specific farmer campaigns. AgroVesta charges both sides.
→ 4% on capital deployed
→ 4% on repayment flows
→ UGX 1,000 per transaction
→ Institutional subscription fees
🌱
ENGINE 2
Farmer Platform
Farmers pay to access the platform and get connected to capital and markets.
→ UGX 50K activation fee
→ 2% campaign creation fee
→ Express Market listing fee
→ Bankable upgrade fee
🏪
ENGINE 3
Supplier Network
Agro-input stockists pay to be listed in our supplier directory and earn guaranteed orders.
→ Annual listing fee per supplier
→ 3% on every order fulfilled
→ Priority placement fee
→ Verified supplier badge fee
🛒
ENGINE 4
Express Market
Farmers sell harvests through AgroVesta's buyer network. Repayment auto-deducted at point of sale.
→ 5% commission on produce sold
→ Buyer listing fee
→ Logistics coordination fee
→ Premium buyer subscription
The fundamental change:
The farmer never holds cash. Investment funds go directly to a verified supplier. Repayment is collected at the point of sale through the Express Market. AgroVesta sits in the middle of every transaction in the agricultural value chain.
The AgroVesta Value Chain
💼
INVESTOR
Browses campaigns.
Funds via MoMo/card.
Earns 15–25% return.
AgroVesta charges 4%
→
🏦
ESCROW
AgroVesta holds
all funds until
campaign is 100% full.
Secure · Transparent
→
🏪
SUPPLIER
Farmer selects supplier
from regional list.
Funds sent directly.
AgroVesta charges 3%
→
👨‍🌾
FARMER
Receives inputs.
No cash ever
touches their hands.
Zero cash leakage
→
🌾
HARVEST
Farmer grows crop.
Posts Field Notes.
Harvest confirmed.
AI tracks progress
→
🛒
SELL
Farmer sells via
Express Market.
Repayment auto-cut.
AgroVesta charges 5%
→
🏆
EVERYONE WINS
Investor gets return.
Farmer's score rises.
Cycle repeats.
Bankability grows
Why the cashless model is the breakthrough
When a farmer in a traditional MFI loan gets cash, a significant portion of it is diverted to household needs before it reaches the farm. Studies across Uganda show that 38–52% of agricultural loans do not reach the farm. AgroVesta eliminates this entirely. The investor's money goes to the supplier. The supplier delivers the inputs. The farm gets exactly what was funded. This means higher crop yields, lower default rates, and more predictable returns for investors. Every participant benefits from the cashless model.
Revenue Streams
Every participant in the ecosystem pays AgroVesta · Multiple touchpoints · No single dependency
Revenue SourceWho PaysRate / AmountWhen TriggeredYear 3 Projection
Investor capital deployment fee
Charged when investor funds a campaign
Investor
 4% of amount deployed At funding confirmation UGX 240M
Repayment processing fee
Charged when investor is repaid
Investor
 4% of repayment value At repayment confirmation UGX 190M
Farmer activation fee
One-time KYC + onboarding fee
Farmer
 UGX 50,000 once On KYC completion UGX 150M (Y1 heavy)
Campaign creation fee
Fee for each investment campaign posted
Farmer
 2% of campaign target value When campaign goes live UGX 60M
Supplier annual listing fee
Agro-shops and stockists pay to be in the directory
Supplier
 UGX 600,000 / year Annual renewal UGX 90M (150 suppliers)
Supplier order fulfilment fee
Commission each time a farmer selects that supplier
Supplier
 3% of order value When farmer confirms supplier selection UGX 135M
Priority placement fee
Suppliers pay to appear first in regional searches
Supplier
 UGX 200,000 / month Monthly subscription UGX 48M
Express Market commission
Commission when farmer sells produce through AgroVesta
Farmer / Buyer
 5% of sale value At point of produce sale UGX 250M
Buyer listing fee
Buyers (hotels, exporters, supermarkets) pay to access farmers
Buyer
 UGX 1,200,000 / year Annual subscription UGX 72M
MFI partner access fee
Banks pay to access Bankable farmer pipeline
MFI/Bank
 UGX 18,000,000 / year Annual agreement UGX 54M
Data licensing
Anonymised crop and weather data to research and gov
MAAIF / Research
 UGX 18,000,000 / year Annual UGX 36M
TOTAL YEAR 3 PROJECTED REVENUE UGX 1,325,000,000
≈ USD 354,000
Investor fees (both sides)
UGX 430M
32% of total revenue
Farmer fees
UGX 210M
16% of total revenue
Supplier network
UGX 273M
21% of total revenue
Express Market
UGX 322M
24% of total revenue
Partners + data
UGX 90M
7% of total revenue
The Cashless Farmer Flow
From campaign creation to input delivery — the farmer never touches cash
9:41●●●
New Campaign
Tell us what your farm needs
What do you want to grow?
Pineapple (500 suckers) 🍍
What do you need?
Planting materials + fertiliser
Estimated input cost (UGX)
950,000
Expected harvest month
October 2026
Return offered to investors
+20%
💡 You will NOT receive cash. Your supplier will receive payment directly once your campaign is funded.
Submit for Review →
Step 1 · Campaign Creation
Farmer requests inputs, not cash
9:41
🎉
Fully Funded!
Your pineapple campaign reached 100%
950,000
UGX raised · 4 investors
Now choose who will supply your inputs →
Choose My Supplier →
Step 2 · Campaign Fully Funded
CTA goes to supplier selection
9:41
Choose Your Supplier
Mbarara region · Pineapple inputs
AgriSupply Mbarara
2.4km away · 4.8★ · 312 orders
VERIFIED
Pineapple suckers, NPK fertiliser, planting tools
Delivery: 48hrs confirmed
UGX 920,000
Victoria Seeds Ltd
8.1km away · 4.6★ · 189 orders
LISTED
Certified pineapple suckers, lime, compost
Delivery: 3–5 days
UGX 940,000
Balton Uganda
14km · 4.4★ · Premium inputs
Delivery: 5–7 days
UGX 950,000
Confirm AgriSupply Mbarara →
Step 3 · Supplier Selection
Regional verified suppliers shown
9:41
🚜
Supplier Paid!
AgriSupply Mbarara has been notified
Campaign raised
950,000
Sent to supplier
895,500
AgroVesta supplier fee (3%)
28,500
Campaign fee (2%)
19,000
You receive: seeds + fertiliser delivered to your farm within 48 hours
Your Bankability Score +2 for completing supplier selection
Step 4 · Payment to Supplier
AgroVesta takes 3% here too
9:41
Confirm Delivery
🚛 Supplier en route · ETA 2hrs
Confirm what was delivered:
✓
500 pineapple suckers (certified)
✓
3 bags NPK fertiliser (50kg)
5L pesticide (pending)
Confirm Delivery ✓
Report an Issue
Step 5 · Delivery Confirmation
GPS-tracked · Checklist verified
Supplier Listing System
Every listed agro-shop is a revenue partner · Regional matching · Verified delivery records
Supplier Registration Screen
9:41
🏪
List My Agro Shop
Join 150+ verified suppliers
What you get
Guaranteed orders from funded farmers in your district. No chasing payments — AgroVesta escrow pays you directly.
Business Name
AgriSupply Mbarara
District(s) of operation
Mbarara, Isingiro, Kiruhura
Products / services offered
Seeds · Fertiliser · Pesticides · Tools
Delivery capability
Within 48hrs · Own transport
Annual listing fee
UGX 600,000 / year
Choose listing tier:
STANDARD
UGX 600K/yr
PRIORITY ⭐
UGX 3.6M/yr
Apply for Listing →
Supplier Dashboard
AgriSupply Mbarara
⭐ PRIORITY LISTED · Verified
UGX 3.4M
Earned this month
Orders
47
This quarter
Rating
4.8★
312 reviews
Delivery %
98.1%
On-time
Pending Orders
James K. · Pineapple inputs
500 suckers + NPK · Mbarara Farm #847
895,500
Deliver by Apr 8
Grace N. · Maize inputs
Maize seed + lime · Jinja Farm #312
340,000
Deliver by Apr 12
AgroVesta earns from this supplier
Annual listing
UGX 3.6M
Order commission (3%)
~UGX 37K/order
How the Supplier Business Works
Standard Listing (UGX 600K/year)
Appears in regional supplier list. No placement priority. 3% commission per order. Minimum 3 verified reviews to maintain listing.
Priority Listing (UGX 3.6M/year)
First position in district search. ⭐ badge visible to all farmers. Push notifications to farmers when they select inputs. Dedicated onboarding support.
Why suppliers pay willingly
AgroVesta delivers pre-funded, guaranteed orders with no credit risk. The farmer can't cancel because the money is already in escrow. Suppliers receive payment within 24 hours of the farmer confirming delivery.
Repayment Options
Five pathways to repay · Farmer chooses · AgroVesta earns on every route
📱
Option 1
Direct MoMo Repayment
Farmer sends repayment directly via MTN MoMo or Airtel Money. Fastest and simplest route.
AgroVesta earns:
4% repayment fee + UGX 1,000 tx fee
✓ Available: Any phone · *123#
✓ Reminders at 7, 3, 1 day before due
✓ Auto-split to investors within 30s
🛒
Option 2
Express Market Auto-Deduct
Farmer lists their harvest on AgroVesta's Express Market. When produce sells, repayment is automatically deducted before balance sent to farmer.
AgroVesta earns:
5% Express Market commission + 4% repayment fee
✓ Zero effort for farmer
✓ Better prices than roadside
✓ +3 Bankability Score for using platform market
🤝
Option 3
Barter / In-Kind Repayment
Investor agreed to receive produce instead of cash. AgroVesta values the crop at harvest market price and coordinates delivery. Investor can sell on the Express Market or take direct delivery.
AgroVesta earns:
Crop valuation fee 1% + Logistics fee
✓ Used by agro-suppliers as Barter Investors
✓ AI crop valuation at harvest
✓ Investor can convert to cash via Express Market
🏘️
Option 4
Cooperative Deduction
The farmer's cooperative collects and remits repayments on behalf of all member farmers at once. Reduces MoMo cost. Cooperatives earn a small facilitation fee from AgroVesta.
AgroVesta earns:
4% repayment fee (shared 1% with coop)
✓ Lowers cost for farmers in group
✓ Cooperative earns 1% facilitation fee
✓ Bulk verification via cooperative leader
📅
Option 5
Staged Installment Plan
Bankable-tier farmers (Score 60+) can repay in 3 installments during the growing season: 30% at month 3, 40% at month 5, 30% at harvest. Spreads cash flow pressure.
AgroVesta earns:
4% base + 1.5% installment plan setup fee
✓ Bankable tier only (score 60+)
✓ Automated schedule via USSD reminders
✓ Investors see installment schedule on card
Repayment Selection Screen
9:41
How will you repay?
Pineapple S2 · Due Oct 15 · UGX 1,140,000
📱
MTN MoMo
Pay UGX 1,140,000 now
🛒
Sell via Express Market
Recommended
List harvest · auto-deduct at sale
🤝
Barter (investor approved)
Return 950kg pineapple at harvest value
🏘️
Via Ankole Cooperative
Cooperative remits on your behalf
📅
3-Part Installment
Score 60+ only
30% → 40% → 30% over season
All 5 repayment options in one screen
The key insight: AgroVesta earns on every repayment option
It does not matter which repayment path the farmer chooses. AgroVesta charges a fee on every route. The 4% repayment fee applies to MoMo, cooperative, and installment options. The Express Market option earns 5% commission plus the repayment fee. The barter option earns a crop valuation fee. This means repayment is not just a platform cost event — it is another revenue event.
Bankability Score adjustments by repayment method
MoMo direct · On time +5 pts
Express Market auto-deduct +7 pts (platform loyalty bonus)
Barter · Confirmed delivery +5 pts
Cooperative deduction · On time +4 pts
Installment · All 3 on time +6 pts
Any method · Late (1–7 days) −3 pts
Express Market
AgroVesta's produce marketplace · Farmers sell better · Investors get paid · Everyone uses the platform more
The Express Market Model
AgroVesta operates a two-sided marketplace for agricultural produce. Small and medium farmers list their harvests at or above the AgroVesta price floor (set using market data + AI). Verified buyers — supermarkets, hotels, restaurants, exporters, and processors — browse and purchase directly. AgroVesta charges 5% commission on every sale. When the selling farmer has an outstanding loan, repayment is automatically deducted from the sale proceeds before the balance reaches the farmer's wallet. This means default risk drops to near zero for any farmer who uses the Express Market.
Farmer: List Your Harvest
9:41
List Harvest for Sale
Crop / produce
Fresh Pineapple 🍍
Quantity available
480 pieces
Harvest date
October 3, 2026
Location for pickup
Mbarara Farm GPS ✓
AI Market Price Suggestion
UGX 1,800
per piece · Based on Mbarara market data today
Use 1,800
Set my own
Auto-repayment active
Outstanding: UGX 1,140,000. Will be deducted automatically at sale.
List on Express Market →
Buyer: Browse Available Produce
Express Market
Uganda · Live produce listings
Buyer Access
All Crops
Pineapple
Maize
Coffee
Near me
Fresh Pineapple · James K.
480 pieces · Mbarara · Pickup Oct 3
NIRA ✓
Bankability 52
6 previous sales
UGX 1,800
per piece
Buy
Dry Maize · Grace N.
800kg bags · Jinja · Available now
NIRA ✓
First sale
UGX 820
per kg
Buy
AgroVesta earns on this sale
5% of total sale value is charged to the seller at point of payment. If farmer has outstanding repayment, it is deducted before the 95% balance reaches their wallet.
What Happens at the Point of Sale
🛒
BUYER PAYS
Buyer pays UGX 864,000 (480 × 1,800)
→
🏦
AGROVESTA SPLITS
5% commission = UGX 43,200 to AgroVesta
→
⚡
AUTO REPAYMENT
4% repayment fee + outstanding loan auto-deducted
→
💼
INVESTORS PAID
Repayment distributed to investors in seconds
→
👨‍🌾
FARMER BALANCE
Remaining balance (after fees and repayment) lands in farmer wallet
Updated Wireframe Screens
New screens reflecting the refined model · Supplier selection · Repayment hub · Express Market
9:41
💸
Harvest Sold!
480 pineapples sold to Nakumatt Mbarara
Sale total
864,000
Express Market fee (5%)
−43,200
Repayment auto-deducted
−380,000
Repayment fee (4%)
−15,200
Your wallet balance
+425,600
+7 Bankability Score · Express Market use bonus
Start Next Campaign →
After Express Market sale
Full auto-deduct breakdown
REPAYMENT RECEIVED
James K. pineapple · Express Market auto-deducted
9:41
Portfolio Update
Pineapple S2 · Closed ✓
James K. · Mbarara
+20.0%
You invested
200,000
Return
+40,000
Total received
240,000
Harvest Vault updated
Instant via Express Market
+240,000
Re-invest in New Campaign →
Withdraw to MoMo
Investor: Repayment received
via Express Market
NEW ORDER — UGX 895,500
Farmer: James K. · Mbarara · Deliver within 48hrs
9:41
Supplier Dashboard
NEW ORDER · Priority
James Kyomuhendo
Mbarara Farm #847 · GPS confirmed
• 500 pineapple suckers (certified)
• 3 × NPK 50kg bags
• 5L Dursban pesticide
AgroVesta escrow · Guaranteed
895,500 UGX
Accept Order ✓
Request Substitution
Payment released 24hrs after delivery confirmed
Supplier: New Order alert
Guaranteed escrow payment
9:41
LIVE
Good morning, James 👋
22°C · Light rain · Mbarara
52
SCORE
🍍 Pineapple UGX 1,800 ↑5.1% 🌽 Maize UGX 850/kg ↑2.3% ☕ Coffee UGX 12,400/kg ↓0.8% 🍍 Pineapple UGX 1,800 ↑5.1%
2
Campaigns
Express
1 listing live
52/100
Score
Pineapple · Season 2
LOW · 24
Funded · Supplier confirmed
+20%
Inputs delivered ✓
Repay due Oct
Home
Campaigns
Market
Notes
Profile
Farmer Home v2.1
Express Market in nav · No cash balance
Full Refined Business Model Summary
Everything AgroVesta does · Every revenue touchpoint · The complete picture
AgroVesta is a closed-loop agricultural economy — not just a lending platform.
We sit at every transaction: when the investor funds, when the input is purchased, when the crop is grown, when the harvest is sold, and when the repayment happens. Every one of those moments is a revenue event. No capital escapes the loop without AgroVesta earning from it.
The Five Participants and What They Get
💼
Investor
Puts in capital. Gets 15–25% return. Sees their investment growing in real time via Field Notes. Repaid automatically when harvest sells.
Pays: 4% deployment fee + 4% repayment fee
👨‍🌾
Farmer
Gets inputs for their farm without touching cash. Builds a credit record. Grows to Bankable status. Sells produce at better prices via Express Market.
Pays: UGX 50K activation + 2% campaign fee + 5% market commission
🏪
Supplier
Receives guaranteed, pre-funded orders from farmers. Zero credit risk. Gets paid directly from escrow within 24hrs of delivery confirmation. Builds a regional reputation score.
Pays: UGX 600K–3.6M listing + 3% per order
🛒
Buyer
Access to verified, GPS-tracked, quality-certified farmers' produce. All sellers are KYC-verified. Bulk order options. Delivery logistics supported.
Pays: UGX 1.2M annual listing + access to Express Market
🏦
Partner MFI / Bank
Receives a pipeline of Bankable farmers with 3+ years of verified repayment history, GPS-identified farms, and community seconders. Zero origination cost.
Pays: UGX 18M annual access fee
What Changed: v1 → v2.1
ElementVersion 1 (Original)Version 2.1 (Refined)
Farmer receivesCash withdrawn to MoMo walletVerified inputs delivered by regional supplier. No cash ever held.
Revenue from suppliersNoneAnnual listing fee + 3% per order + priority placement fee
Produce salesNot part of the platformExpress Market: 5% commission on every sale
Repayment optionsMoMo only5 options: MoMo, Express Market auto, Barter, Cooperative, Installment
Revenue streams2 (investor + farmer fees)9 distinct revenue lines across 4 engines
Default protectionSeconder co-liability + score lossSeconders + Express Market auto-deduct eliminates cash default almost entirely
Supplier roleExternal, not connectedPlatform participant, paying customer, revenue partner
Buyer roleExternal, not connectedExpress Market subscriber, paying listing fee, verified buyer
Farmer walletCash balance, withdrawableHarvest proceeds only, after auto-deductions. Farmer builds savings, not spending float.
Projected Year 3 revenueUGX 1,410,000,000UGX 1,325,000,000 (more diversified, less dependent on loan volume)
Master Files Updated
This document represents the v2.1 business model. The following master documents need to be regenerated or updated to reflect these changes:

Grant Proposal: Revenue section, cashless model description, supplier network section, Express Market impact on default rates, updated revenue projections.
Work Plan: Add Supplier Acquisition workstream, Express Market launch milestones, buyer onboarding targets, updated Year 3 revenue model.
Wireframes: Supplier selection screen (post-funding), Express Market farmer and buyer screens, repayment options screen, updated farmer home (no cash balance widget), supplier dashboard.
Brand Materials: Add Express Market branding, Supplier Partner badge, Buyer Partner badge.