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Sectors & ecosystems

Agriculture

Match input financing to the farming season, from planting to harvest.

Farmers buy inputs before planting but earn after harvest, and agri-dealers carry that gap. Paynion helps input suppliers, dealers, cooperatives and financiers structure limits and maturities around the season. Orders, invoices and repayments stay on one infrastructure.

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Challenges we hear

01

Cash comes after the harvest

Inputs are needed long before income arrives, so dealers end up financing farmers informally.

02

Seasonal demand spikes

Orders cluster around planting periods, putting sudden pressure on dealer limits and stock.

03

Rural collections are manual

Payments are tracked in notebooks and collected in person, which is slow and error-prone.

How Paynion helps

Financing Infrastructure

Define dealer and cooperative networks, set limits and season-based maturities, and submit invoices to DBS for collection after the harvest. Individual and corporate loan applications can be taken and disbursed digitally.

FinansZ

Agri-dealers manage stock, current accounts and e-invoices in one place, and collect in the field with SoftPOS on a phone or by payment link.

Use cases

Pre-season input financing

A fertiliser supplier's dealers order on limit before planting, with repayment scheduled after the harvest.

Machinery purchase loans

A farmer applies for financing at a machinery dealer, and the dealer is paid once the loan is disbursed.

Field collection for cooperatives

Cooperative staff collect payments on the farm with SoftPOS and balances update in the current account.

How it works

How seasonal input financing works

  1. 1

    Onboard dealers

    The input supplier adds its dealers and cooperatives to the network.

  2. 2

    Set seasonal limits

    The financier sets limits and maturities aligned with the planting and harvest cycle.

  3. 3

    Order before planting

    Dealers order seed, fertiliser or feed and draw on their limit.

  4. 4

    Supplier is paid

    The input supplier receives payment once the invoice is approved.

  5. 5

    Repay after harvest

    Invoices are collected via DBS at maturity, after the harvest.

Sectors & ecosystems

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Automotive

Dealer financing, spare-parts ordering and collections for OEMs, distributors and their dealer networks.

  • Financing Infrastructure
  • FinansZ
  • Paynion Gate

White Goods & Electronics

Limit, order and collection management for brands and distributors with dense dealer and sub-dealer networks.

  • Financing Infrastructure
  • FinansZ

Construction & Energy

Open-account financing and receivables management for building materials and fuel distribution.

  • Financing Infrastructure
  • FinansZ
  • Paynion Gate

Let's launch your first product without touching your existing systems

Tell us which product you want to start with — we'll shape the PoC together.

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