The farmer shows it. Nobody searches it.
We do not lend, hold funds, set rates, or score anyone's creditworthiness. What we hold is the obligation, and who may see it is decided by the borrower.
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01
A credit is recorded by the two parties
The retailer and the farmer, at the time it is given, for the season it covers.
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02
It exists as one thing
Not a note in a book that can be duplicated across four shops for the same harvest without any of them knowing.
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03
The farmer discloses when they choose
Approaching a second retailer, they can demonstrate their position for that season, completely rather than selectively.
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04
The season closes it
Settlement after harvest ends the obligation, and the record does not become a permanent public history.
A failed harvest is still a failed harvest. What changes is a lender being able to price a farmer rather than a district.
If you sell inputs on credit, or buy them that way.
What helps is how it works where you are: what you extend, and what you have lost.