We are Emata

Africa can – and must – help cover our world's growing food needs.

We invest in farmers and dare them to dream big.

Emata offers digital, affordable loans to farmers so they can turn their farms into businesses.

We partner with cooperatives and aggregators and use their data for
AI-powered alternative credit scoring.

We offer simple, available and affordable farmer financing.

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Our story

We started Emata out of our frustration that African banks were not using new tech and big data to finance farmers.

Farmers account for 20-30% of African economies but only receive a fraction of loans.

In March 2020, we set out to solve agricultural financing! In December, we received our Microfinance License in Uganda.
We started lending to dairy farmers in February!

In May, we won Catapult Inclusion Africa and in September we joined the Plug & Play accelerator program.
In March, we started giving loans to maize farmers. Then we gave our first loans to oilseeds farmers, before we finished the year with coffee farmers.
In 2022, we signed a USD 590.000 facility, securing our first external on-lending-capital. In 2023, this was increased.

We were also named "Best Newcomer" in the world at the Global Startup Awards!
What's next?
We are scaling up in dairy, coffee, maize & oilseeds, and exploring new value chains.

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