01
STORE
the harvest
Bring your cereals to a certified warehouse. The stock is assessed and the crop details are recorded against your member account.
KIJANI FINANCE · KENYA
STORE YOUR GRAIN, not YOUR FUTURE
Store your cereals with a certified warehouse and take a low-interest loan against them — instead of selling your harvest cheap the week the rains end.
WHY WE EXIST
You grew it, so you should choose when it sells. Without a bank history, the only way to raise cash is usually to sell early and cheap. Store your grain with us, borrow against it at low interest, and sell when the price is right.
WHAT WE OFFER
ONE THING,
done simply
- A loan against your stored cerealsUp to 90% of invoice value
- What it costs youLow interest, agreed up front
- Repayment terms7, 14 or 30 days
- What we acceptCereals only, for now
- Where the grain sitsA certified warehouse
- Security requiredThe stored crop, nothing else
- How you are paidStablecoin, straight to your wallet
HOW IT WORKS
FOUR
steps
STORE
02
THE VALUE
is locked
Your stored stock is recorded on-chain and locked, so the same harvest cannot be pledged twice. Everyone involved can see it.
03
TAKE
the loan
Choose a 7, 14 or 30-day term and receive up to 90% of your invoice value, sent straight to your wallet at low interest.
04
SELL
when ready
Hold the grain until the market suits you. Settle the advance when you sell, and the stock is released.
BUILT ON STELLAR
OPEN
by design
Stored stock and every advance are recorded on the Stellar network, so the record is open to check rather than locked in one company's books. That is what lets us lend against grain instead of land.
Kijani Finance is currently in pilot on the Stellar test network.