eSusFarm, an African agri-fintech company, has built an AI-powered financial infrastructure platform that converts satellite, climate and mobile data into bankable profiles for smallholder farmers, in a direct challenge to a financing gap that has left millions of agricultural households without access to credit or insurance.
Operating across Southern and East Africa with expansion underway into West Africa, eSusFarm has engaged over 380,000 smallholder farmers and more than 20,000 insurance and advisory users since launch. The platform targets a persistent $65 billion financing gap in African agriculture, a sector that contributes up to 40 percent of GDP in many countries yet receives only a fraction of formal lending.
The platform is designed to operate in low-connectivity environments. Farmers register and interact via USSD on basic feature phones, removing the smartphone barrier that has excluded millions from previous digital agriculture solutions. Behind the scenes, AI models analyse satellite imagery, historical weather patterns and climate data to build dynamic risk profiles, which form the basis of parametric insurance products that trigger automatic payouts that are delivered via mobile money when predefined weather thresholds such as insufficient rainfall are met.
“For too long, smallholder farmers have been invisible to financial systems — not because they lack creditworthiness, but because no one has built the infrastructure to prove otherwise. Our role is to turn the data that already exists in the field into a financial identity that opens doors to credit and insurance,” said Watson Vuyo Matsa, CEO and Co-Founder, eSusFarm
Rather than treating credit, insurance and climate risk as separate challenges, eSusFarm integrates them into a single platform. Automated risk assessment is designed to reduce operational costs for insurers, while insurance coverage lowers the probability of loan defaults creating conditions for financial institutions to extend credit into markets they have historically avoided. The company runs its data and AI workloads on Microsoft Azure and has participated in the Microsoft for Startups programme and the Microsoft and NVIDIA GenAI Accelerator.
“One of the greatest impressions the platform had on me was its ability to collect and collate farming data for smallholder farmers,” said Nontokozo Davidson, development finance professional and Founder of Adopt-a-Farmer. “If harnessed and scaled, this will be a game changer for the industry.”
Microsoft Africa Transformation Office Lead Gerald Maithya said the company is focused on helping African founders build solutions that scale securely across borders. “eSusFarm shows how AI and cloud infrastructure can translate climate and crop data into faster payouts and more confidence for insurers and lenders, unlocking credit for smallholders at scale,” he said.
The social impact is measurable. Farmers with insurance coverage recover more quickly after adverse weather events, stabilising household income and reducing dependence on distress coping strategies. eSusFarm reports strong uptake and repeat usage across seasons, with farmers consistently describing registration as easy and indicating they would recommend the service to others.
The company has set a target to support more than 1 million smallholder farming households. Future developments include advanced AI-driven risk scoring with continuously learning models, and expanded satellite crop monitoring across new markets.
“We’re not building another app for farmers. We’re building the financial rails that an entire continent of smallholders has never had access to, so that when the next drought comes, or the next opportunity, they’re not left behind,” Matsa concluded.
Read Also: How Del Monte Kenya’s Green Strategy Is Shaping the Future of Kenyan Agriculture