Reap what you Sow

Own a brand new tractor through our simple, affordable, and flexible tractor finance
program.

How it works

Find out how you can own your own tractor and service farmers within your community and the Hello Tractor marketplace in just 5 easy steps.

1. Receive training

Entrepreneurs receive training on contracting business, driver recruitment, technology & booking farmers

2. Get Vetted

Entrepreneurs with 5% down payment and 500ha of land pre-booked in the Hello Tractor app are vetted for financing.

3. Receive tractor

Approved entrepreneurs receive JD 65hp tractor with implements, technology and dedicated account manager.

4. Earn & Repay

As tractors service pre-booked farms, a small loan repayment of $20 is auto deducted to pay down loan.

5. Receive more loans

Repay successfully and qualify for additional loans & the ability to refer other entrepreneurs in your community.

Say goodbye to usury rates and unnecessary fees.

For Entrepreneurs

  • 5% Down
  • Up to NGN18M per loan
  • Prepayment of NGN7K for every Ha serviced
  • Required 500Ha of land serviced per year
  • Loan terms of 3+ years with no prepayment penalty
  • Designed for individuals or coops

For Entrepreneurs & Coops

  • 5% Down
  • Up to KSH5M per loan
  • Prepayment of KSH2K for every Ha serviced
  • Required 500Ha of land serviced per year
  • Loan terms of 3+ years with no prepayment penalty
  • Designed for individuals or coops

For Entrepreneurs

  • 5% Down
  • Up to NGN18M per loan
  • Prepayment of NGN7K for every Ha serviced
  • Required 500Ha of land serviced per year
  • Loan terms of 3+ years with no prepayment penalty
  • Designed for individuals or coops

For Entrepreneurs & Coops

  • 5% Down
  • Up to KSH5M per loan
  • Prepayment of KSH2K for every Ha serviced
  • Required 500Ha of land serviced per year
  • Loan terms of 3+ years with no prepayment penalty
  • Designed for individuals or coops

Our Mission

We believe that everyone should have the power to achieve their dreams, and access to financing unlocks this power. We reach customers who are unserved by traditional financial services, which often require customers to have credit history or assets to secure financing.

Assets on our platform

Farmers serviced by Hello Tractor entrepreneurs

%

Women borrowers

%

Unbanked Beneficiaries

Break Ground on Your Dreams

Don’t currently have the requirements for financing? Download the booking app and begin earning cash today booking farmers in your community. Reach 500 ha and we will assess you for a tractor loan.

Our Partners

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Kenya Investment Mechanism

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FAQs

What types of loans are in scope?

Tractor and implement financing.

What types of borrowers are eligible?

Individuals (network of at least 500 farmers / 500 hectares) and Cooperatives (network of at  least 500 farmers / 500 hectares).

What regions are in scope for Hello Tractor’s PAYG program?

Kenya (nationwide) and Nigeria (nationwide).

What is the tenor of the loan?

Loan tenors will range from 3-5 years.

What is the interest rate of the loan?

Interest rates will range from 10-14%, depending on borrower creditworthiness.

How long does it take to advance from loan application to final approval?

The loan process takes approximately 4-6 weeks, subject to the borrower’s ability to pre-book  500 hectares into the Hello Tractor app within a 3-week timeframe.

What are the pre-screening requirements of the borrower?

Booking 500 hectares of farming demand into the app and submitting $2,000.00 in cash to be held in escrow with Hello Tractor during the underwriting process. All funds will be released back to the candidate if the loan request is not approved.

How will the borrower learn how to make booking in the Hello Tractor booking app?

Our Digital Sales lead will onboard borrower candidates onto the app and provide booking instructions.

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