Agricultural Finance Infrastructure

Stored grain becomes working capital

GELET is a development trust that turns warehouse receipts into tradeable collateral for Zimbabwe's smallholder farmers, backed by pension fund investment and powered by fintech payment rails.

1.5M+ Smallholder households in Zimbabwe
<10% Access formal agricultural credit
$171M+ Warehouse receipts already in ZMX
The Problem

Farmers grow the food. Banks won't lend against it.

Zimbabwe's smallholder farmers produce the majority of the country's food crops, but most can't access formal credit. Their harvested grain sits in storage, losing value to time and pests, while they lack the capital to invest in the next season. The collateral is there. The financial infrastructure to unlock it is not. GELET bridges this gap by combining proven warehouse receipt models from Nigeria with Zimbabwe's existing exchange infrastructure and pension fund capital.

How It Works

From harvest to capital in four steps

01
Deposit
Farmers deliver harvested commodities to certified warehouses. Quality is inspected, graded, and documented.
02
Receipt
Electronic warehouse receipts are issued, representing the stored commodity. Each receipt is a negotiable, tradeable instrument.
03
Finance
Receipts serve as collateral for credit. Pension funds and institutional investors provide the capital through the trust structure.
04
Transact
Payments flow through Flowmaster's fintech rails. Farmers receive funds directly. Investors earn returns on the agricultural asset class.
Three Pillars

Built on proven models, adapted for Zimbabwe

⚖
Warehouse Receipt System
Hybrid of ThriveAgric's farmer aggregation model and NCX's electronic receipt system. Leverages Zimbabwe's existing ZMX infrastructure and Warehouse Receipts Act legal framework.
♦
Pension Fund Capital
Structured as a registered development trust with a ring-fenced agricultural asset class. Pension funds invest in real commodity collateral with transparent, auditable returns.
➤
Fintech Payment Rails
Flowmaster integration for seamless farmer payouts and investor settlements. Compatible with EcoCash, InnBucks, and bank transfers as backup rails.
The Vision

Every farmer's harvest should be bankable

Zimbabwe's agricultural potential is constrained not by land or labor, but by capital. GELET exists to create the financial infrastructure that turns stored commodities into liquid assets, connects institutional capital to productive agriculture, and ensures that the people who feed the nation can fund their own growth.