At Intelli-Wealth Limited, we understand that traditional banks often see rural farming groups as too risky. That's why we created the Farmers Revolving Fund—a dedicated, unconventional capital kitty designed specifically for you. This is more than a loan; it's a partnership for growth. We leverage the power of your own group's data to provide accessible funding, empowering you to scale your operations, invest in value addition, and increase your collective income.

What is the Farmers Revolving Fund?

The Farmers Revolving Fund is a KES 10 Million+ kitty managed by Intelli-Wealth Limited within the Intelli-Cash platform. It provides collateral-free loans to member-based groups, using their own transaction history as the primary qualification.

We offer a simple and transparent model:

• Loan Amounts: From KES 10,000 to KES 500,000 per group.

• Interest Rate: 10% per month on the reducing balance.

• The Community Share: 5% of the interest (50% of the total interest earned) is retained by your group as a bonus, reducing your effective cost of borrowing and building your group's capital even faster.

• Purpose: To finance agricultural value-addition enterprises, group businesses, and capital for on-lending to your members.

How Your Group Benefits (The Power of Partnership)

This fund is engineered for the success of rural farmers and women-led groups.

1. Access to Significant Capital: Move beyond your internal savings. Access larger amounts (up to KES 500,000) to undertake meaningful projects that were previously out of reach.

2. Wealth Creation for Your Group: By retaining 50% of the interest (5%), your group earns income from the fund. This isn't a cost; it's an investment that grows your group's own social or loan fund.

3. Data is Your Collateral: Your track record is your credibility. We don't ask for physical collateral that you may not have. Your consistency, savings discipline, and repayment history within Intelli-Cash become your key to unlocking capital.

4. Designed for Farmers & Women: With a focus on rural areas and recognizing that women make up over 70% of active farmers in Africa, our terms and processes are designed to be accessible and understandable.

5. Fuel for Value Addition: Move from selling raw produce to selling processed goods. Use the fund to invest in activities like grain milling, honey processing, dairy packaging, or tomato paste making, which command higher prices and increase your profits.

Who Can Apply?

This fund is available to registered and informal groups across Kenya, including:

• Village Savings and Loan Associations (VSLAs)

• Chamas (Investment Groups)

• Agricultural Cooperatives

• Women's Enterprise Groups

• Farmer-Based Organizations (FBOs)

There is one essential requirement: Your group must be an active user of the Intelli-Cash platform.

Why Intelli-Cash is Required:

Our platform is the window into your group's financial health. It allows us to make fair, objective, and quick decisions.

• Transaction History: We analyze your group's savings consistency, loan repayment rates, and overall financial activity.

• Savings Reports: Automated reports generated by Intelli-Cash give us a clear, trustworthy picture of your performance.

• Group Rating: This data is used to automatically rate your group's creditworthiness, determining your eligibility and loan limit. This eliminates bias and puts the power in your hands—your financial discipline directly translates into access to capital.

How to Apply

Accessing the fund is a simple process integrated into your Intelli-Cash experience:

1. Be Active: Ensure your group is actively using Intelli-Cash for at least three full savings cycles.

2. Check Eligibility: Navigate to the "Funding" section in your Intelli-Cash account. The system will show your group's pre-qualified loan limit based on your data.

3. Submit Application: Complete the short online application form for the Farmers Revolving Fund directly within the platform.

4. Quick Review: Our team will perform a final review based on your digital footprint.

5. Disbursement: Once approved, funds are disbursed directly to your group's account via M-Pesa or bank transfer, often within 48 hours.

Ready to Transform Your Group's Future?

Stop being limited by your savings. Leverage your financial discipline to unlock the growth capital your community deserves.

Login to your Intelli-Cash account now to check your group's eligibility and see your pre-approved offer from the Farmers Revolving Fund.

For more information, contact our partnerships team:
Email: intelliwealthafrica@gmail.com | Phone/WhatsApp: +254 768 706 799