Fourth Line Limited


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Connecting rural farmers
to financial services


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What are we building? Why?





Over the years, we have noticed the financial exclusion of many of our farmers. Remote locations make it expensive to onboard smallholder farmers through necessary KYC. Lack of digital identities, absence of collateral, and difficulty forecasting crop production makes it near impossible to offer loans at reasonable rates. Further, lack of connectivity to info limits their ability.



How does it work?





To address these concerns, we are developing a USSD/SMS based system for connecting rural farmers to weather, agricultural, and financial services. By leveraging our connections with cooperative leaders and farm managers, we will safely and efficiently distribute cash loans via USSD, which can then be used to purchase various AG inputs from our partners. Farmers can sign up for our SMS weather station and get weekly forecasts, and will be able to enroll in our crop specific education program. In this way, we enable rural farmers to better manage their crops and maximize output while mitigating default risks.



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Plot 344 Independence Avenue Lusaka Zambia