Complete Digitization.
From Farm to Bank.
We replace fragmented manual records with a unified digital ecosystem. Our suite empowers cooperatives to track every kilo of produce, automate every shilling of payment, and unlock credit for every farmer.
Pillar 1: Operations
Data Integrity at Source
Garbage in, garbage out. We ensure 100% accurate data capture at the collection point to eliminate fraud and disputes.
Digital Receipts
Collectors capture produce via mobile app. Farmers receive instant confirmation via SMS or Digital Receipt, creating an immutable record of delivery.
Smart Aggregation
Automated weighing and data capture at collection centers. This ensures produce reconciliation matches exactly what was collected from the farmer.
Real-Time Dashboards
Cooperatives see daily collection volumes, route performance, and member analysis instantly. No more waiting for end-of-month manual tallying.
Pillar 2: Financial Infrastructure
Making Agriculture Bankable
This is the core of our value proposition. We provide the accounting rigor, payment rails, and credit logic that financial institutions demand.
Payment Gateways & Reconciliation
Direct integration with M-Pesa, Saccos, and Banks. Our system automates bank-ready reports, ensuring error-free farmer payments and instant reconciliation.
Full-Cycle Accounting
Not just records, but audit-ready accounting. We generate real-time Trial Balances, P&L, Balance Sheets, and Cashflow Statements automatically.
AI Credit Scoring
We leverage historical production data and consistency metrics to generate a Credit Score for every farmer.
- Extend short-term & long-term credit facilities.
- Determine lendable limits based on actual output.
- De-risk lending for financial partners.
Pillar 3: Growth & Extension
Empowering the Farmer
Member Accounts
Transparency is key. Farmers get accurate statements of collections, deductions, and payments for any selected period.
Automated Reports
Managers and institutions receive important financial and operational reports in real-time to drive decision-making.
Blast SMS
Instant mass communication tools for payment alerts, meeting notifications, or agronomy tips.
Extension Management
Includes mobile apps for herd management, WhatsApp chatbots, and a peer-to-peer digital learning platform.
Ready to Digitize Your Cooperative?
Join the leading organizations using Optimerce to build trust, transparency, and financial growth.