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Credit infrastructure for lenders

AI credit evaluation & productive asset Financing farmers & Ag-SMEs

Farmsky turns national ID (IPRS/KYB), credit refernce Bureau, mobile money/bank statements, weather, soil and market data into composite credit score, unlocking credit for underfunded farmers and agri-SMEs

Run a free credit check Explore the APIs
Auto-decision speed
<30s

85% auto-decisioned

Score range
300–850

Explainable score

Explainability
100%

SHAP rationale

Decision preview APPROVE · Tier A
712
Composite score
Credit bureau (CRB)88%
Cash flow (M-Pesa)74%
Agronomy (weather+soil)66%
Market & income58%
Strong bureau history and steady seasonal income outweigh a mild dry-season forecast.
Built for regulated lending and productive asset financing:

Credit Score Simulator

Enter a National ID and upload a PDF M-Pesa or bank statement to get a credit result. Try our product demo. YOU MUST OBTAIN CONSENT IF NOT USING YOUR OWN ID.

This data is used only to generate illustrative result. DO NOT USE THIS AS A LENDING DECISION.

Result preview Awaiting input Processing… Complete
Credit score
— — —
Decision
Pending Approved
Credit bureau (CRB)0%
Cash flow (M-Pesa)0%
Statement authenticity0%
Tier A · low risk · KES 250,000 limit
Statement authenticity
Tamper & forgery checks
— Verified
Extracted transactions
0 rows
CRB pull
Bureau records & active loans
— 2 active

Submit the form to see statement authenticity, extracted transactions, the CRB pull and a full credit result.

Cost & ROI Calculator

Estimate your monthly billing by service and volume. Rates are set by Farmsky and include 16% KRA VAT. Minimum volume is 50 API calls.

We'll email your quote and volume-tier discounts.

2,000 API calls
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API costKES 0.00
VAT (16%)KES 0.00
Estimated Total CostKES 0.00

One API for the entire credit lifecycle

Composable modules for onboarding, verification, statement analysis, decisioning and disbursement.

Customer Operations

Onboarding & data retrieval matching the Farmsky UI, plus plug-and-play widgets for lenders with existing sites.

Statement & Financing

Parse and score M-Pesa, Till, Paybill and bank statements — with PDF authenticity confidence.

Identity Verification

Real-time IPRS national ID, alien card and citizen verification via MetaMap GovChecks.

Verification & Credit

KYC/KYB, biometric liveness, credit bureau (CRB) and the full composite decision engine.

Transaction Operations

Digital invoicing and invoice-financing (factoring) eligibility evaluation.

Bulk & Webhooks

Batch scoring for portfolios and pre-approval campaigns, with webhooks and settlement.

Explore all APIs

Ready to lend to the underserved, at scale?

Provision a sandbox tenant with test keys and 50 synthetic applicants. Go live after 20 successful sandbox calls.

Read the docs Try the APIs