The future of agricultural-financing

Added on 16 December 2024

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Access to capital remains one of the biggest challenges for farmers, especially smallholders and agricultural entrepreneurs. Traditional banking systems often fall short, leaving many without the resources they need to scale operations or adopt sustainable practices. High interest rates, collateral requirements, and one-size-fits-all loan structures are barriers that exclude many farmers.

Fortunately, innovation is changing the game. Emerging financing models such as crowdfunding and decentralized finance (DeFi), along with mission-driven platforms like FarmRaise and Harvest Returns (both partners of Agritecture), are empowering farmers and reimagining how funding works in agriculture. Could these tools help bridge the $200 billion global agricultural financing gap? Let’s explore.