What we offer today
One service, working today, for three readers: the lender who decides, the guarantor or insurer who stands behind the loan, and the farmer, group or agribusiness whose case has to meet a lender's standard.
A person always makes the decision. LitFin Intelligence never lends, holds money, insures or guarantees.
The same appraisal, underwriting and risk analysis runs at each level, in English or Swahili, one language at a time.
What you get
Not a verdict: the reading and its reasons, so the person deciding can see what it rests on.
Every page, including photographs of handwritten ledgers. A page that could not be read is named.
The questions the file raises, answered from the evidence in it, in the form a credit committee reads.
Whether the season can carry the loan: the cash, the calendar, the security and the terms, set against the lender's own policy.
The risks the file carries, each one named, with what raised it and what would settle it.
Each figure shows the page it was read from or the calculation behind it; an assumption is labelled as one.
The gaps in the file, starting with the one that would most complete it.
Who benefits
Each of these readers has a page of their own.
Banks and microfinance institutions: a file you can question line by line and decide on
Read moreWhat your guarantee or your cover stands behind, written down
Read moreFarmers, groups and agribusinesses: your case prepared to the lender's standard
Read moreEveryone else a farming season depends on, from the input supplier to the buyer, has a section on one page.
Who it is forWhere it stands
How the parts being built fit into the whole has a page of its own.
How it worksThe company and its team are described on the About page.
How to start
If you lend, guarantee or insure: send a few agricultural files you have already decided. A redacted copy is enough.
Talk to usIf you farm, lead a group or run an agribusiness: tell us what you want to finance and what records you hold. We prepare the case for the lender you choose.
Bring your caseDeeper reading
Each covers one part in full.
How pages are read, and how an unread page is reported.
Read itThe memo a credit committee receives, section by section.
Read itWhose judgement the standard carries, and the record that stays with the file.
Read itWhat the service will not do, listed in full.
Read itTell us what you lend, guarantee or want to finance, and we will say what we can do with it today.