We are putting scarce judgement beside everyone in the chain, so smallholder farmers can be financed.
LitFin Intelligence is a Dar es Salaam company working to unlock financial access for smallholder farmers in Tanzania.
Why LitFin Intelligence exists
Knowing whether a field will produce, and whether a season can carry a loan, takes decades of work on the ground and in the credit room. Few people hold that judgement, and it is expensive to send where it is needed.
Guarantee schemes, group lending and warehouse receipts were built to reduce the risk of lending to agriculture, one piece at a time, and nothing connected them. We are building that connecting layer. We started with the lender, because that is where the financing is.
The standard LitFin Intelligence holds a file to comes from two careers, one in banking and credit and the other in agricultural production. Credit judgement tells you whether a borrower can repay. Field judgement tells you whether the thing being financed will produce. An agricultural file needs both.
Dar es Salaam, Tanzania
Where the team is based.
Two founders and two mentors
The founders build the service. The mentors supply the credit judgement and the field judgement it applies.
Why these two mentors
Both have spent their working lives in this country's agriculture, one financing it and the other producing. They are also investors, and LitFin Intelligence is tailored on their judgement.
George Mwikila
Co-founder and Chief Executive Officer
George is LitFin Intelligence's technical founder and built the platform end to end. Before LitFin Intelligence he spent more than seven years in engineering at Finimize in the United Kingdom.
He holds a Bachelor of Finance from Minerva University and is based in Dar es Salaam.
David Anderson Mlabwa
Co-founder and Chief Operating Officer
David leads research, data and field operations at LitFin Intelligence. His background is in data analysis and business analytics, and he spoke at Fintech Festival Tanzania 2025 on data privacy.
He holds a BSc (Hons) in Information Systems from Sunway University, Malaysia, and is based in Dar es Salaam.
Anderson Yohana Mlabwa
Mentor and Investor
Anderson spent 29 years in banking at one of Tanzania's largest banks, 17 of them as Director of Credit and Secretary of the Board Credit Committee. He coordinated a regional programme de-risking agricultural finance for smallholder farmers in four African countries.
He studied agriculture at Sokoine University of Agriculture and holds an MBA in Finance.
Aloys Mwikila
Mentor and Investor
Aloys has worked in agricultural production for four decades. He has helped large companies across industries, especially poultry, establish their production lines in Tanzania, and has trained farmers from first planting to commercial scale.
He studied agriculture at Sokoine University of Agriculture.
What works today
Credit appraisal, underwriting and risk analysis on agricultural credit files.
An appraisal engine for agricultural credit files
It reads the whole file, including pages that arrived as photographs, asks the questions the file raises, and writes an appraisal a credit committee can question line by line. A page it could not read is named, never skipped.
Underwriting and risk analysis
Carried out on the same file, with every figure able to show where it came from.
Tested on agricultural files
Tested on agricultural files with officers from a major agricultural lender that plays a large de-risking role for agricultural loans in Tanzania. We have no customer logos to show yet.
Security engineered in
Every organisation's data is isolated from every other's, encrypted in transit and at rest, and handled under Tanzania's data-protection law. Our Data Protection & Security page explains it in plain language.
One view, from the farmer to the lender
The aim is a chain a lender can see whole, with evidence for every link. Everything below is in design and early build. It is not live yet.
The chain
One appraisal for a whole value chain, covering each link a loan depends on.
Groups
Support for farmers forming groups a lender can finance, with each member visible under the group.
The field
Village-based agronomists advise farmers on the plot and verify the plot, the inputs and the deliveries, with Mwikila beside them.
Everyone in the chain
The same consultant for the farmer, the buyer, the insurer and the guarantor, each in their own language and on their own terms.
The season
A financed season followed as it runs, so a problem surfaces while there is time to act.
East Africa
Other East African countries follow Tanzania one at a time, each fitted to its own rules and farming. This is a plan.
Partner with us
Technology and delivery partners, development programmes and lenders who want to help build the layer that connects the tools Tanzania already has: talk to us.
What we hold ourselves to
Four commitments shape what we build.
Financial Inclusion
Value chain finance and group finance were designed for smallholder farmers. Our work is to help those tools reach them.
AI Innovation
Mwikila, LitFin Intelligence's AI Senior Agriculture & Finance Consultant, does the analysis and explains every conclusion. A person always makes the decision.
Layered Security
Security is part of the design rather than an addition to it. Our data-protection page shows how it works.
Local Context
We start from Tanzania's own rules, crops and credit practice rather than from a global template.
Tell us where you fit
Say which part of a season you work in, whether lending, cover, guarantees, buying, field work or a programme that serves farmers, and we will tell you what exists for you today.