Farm & trade finance
Paid on time, ready for next season.
The problem
Why cash runs short on the farm
Late payment
Payment for a delivered lot can take weeks, while the next season’s costs are due now.
Costly informal credit
Without records, many growers borrow from traders or moneylenders at high interest.
No trading history
Banks hesitate to lend when sales and harvests are not recorded anywhere they can see.
Payment risk on both sides
Buyers and sellers each worry about getting paid, or getting what they paid for.
- of Indian farmers are small or marginal, farming under 2 hectares
- 86%
- of Indian farmers are small or marginal, farming under 2 hectares
- Source: Agriculture Census 2015-16
- is all a tomato farmer earns of the price paid at the shop
- 33%
- is all a tomato farmer earns of the price paid at the shop
- Source: RBI Working Paper 08/2024
What we are building
Capabilities, and where each one stands
Every capability is labelled honestly: available now, available in part, or planned.
Lending partner network
Connect growers, FPOs and traders with regulated banks, NBFCs and government schemes.
Faster payment on delivery
Payment released soon after a buyer accepts a delivery, instead of weeks later.
Pre-season working capital
Funds for seed, inputs and labour, linked to expected harvests and buyer demand.
Secure trade settlement
Payment held safely until both sides confirm the trade.
Trading record
Every sale on the network builds a record that can support a credit application.
Register your interest
Tell us your finance needs when you register, so we design around them.
How it works
How finance will connect to trade
- 01
Trade
Sell through the network with recorded grades, quantities and prices.
- 02
Record
Each sale adds to a trading history you control.
- 03
Qualify
Lending partners use that history to offer fair credit.
- 04
Repay
Repayment is linked to the next harvest sale.
Related products
The products behind this
FAQ
Questions, answered.
Can’t find what you’re looking for? , our AI assistant.
No. Sunspica is not a bank or NBFC. Any credit or payment service will be provided by regulated partners; Sunspica supplies the trade records and connections.
Shape fairer farm finance
Growers, FPOs and lending partners can join the early design work.