Getting money to a farm is only half the story. The harder question comes after the funds land: did the irrigation get built, did yields improve, did the loan get repaid, and can anyone prove it? The Global Agriculture and Food Security Program (GAFSP) published its 2025 Annual Report on September 11, 2026. It shows what pooled financing can do at scale. It also points at what financiers keep asking for after the money moves: evidence.
What GAFSP's portfolio shows
GAFSP's own published figures give a sense of the scale of the effort to finance smallholder agriculture:
| GAFSP portfolio | Figure |
|---|---|
| Projects funded | 323 |
| Countries | 55 |
| Total portfolio | US$2.44 billion |
| Public sector funding | US$1.9 billion |
| Private sector funding | US$560 million |
| Producer organisation grants | US$74.5 million |
| Jobs created | 325,561 (including 38,909 through private sector projects) |
| Public sector beneficiaries who are women | 42% |
Source: GAFSP, Our Impact (gafspfund.org/our-impact). The 2025 Annual Report highlights Vision 2030, new ways to mobilise private investment, and continued support for farmers facing climate change and limited access to finance.
Behind every row in that table is a repeated cycle: capital is approved, deployed, and then someone has to confirm that it did its job.
The gap after disbursement
For a bank, a fund or a programme, the weeks after disbursement are often the least visible. Most agri-SME borrowers in Ghana run on exercise books, memory and mobile money messages. That leaves lenders asking:
- Was the money spent on what was agreed?
- Is production on track against the plan?
- Is the borrower exposed to a weather event the bank cannot see?
- Will the next report arrive late, incomplete, or retyped by hand?
When those questions cannot be answered, lending stays cautious. The loan book underserves a sector the banks are mandated to serve, and good farmers pay for it.
What closes the gap: records created by the farm itself
AgriFAAS Connect (agrifaasconnect.com) is a farm management platform that turns daily farm activity into records a lender can read. For a bank or programme, this changes what "after the investment" looks like:
| After the money lands | What AgriFAAS Connect records |
|---|---|
| Use of funds | Input purchases, receipts, and inventory movements with batch-level traceability |
| Production progress | Planting-to-harvest records, yields against plan, irrigation and input logs |
| Financial position | Double-entry books: income statement, balance sheet and P&L per crop, built from actual transactions |
| Field verification | Records validated in real farm workflows by our network of 111 trained Agricultural Extension Officers |
| Climate exposure | Weather events and yield variance in the same record insurers already use |
The platform has been live since June 2025, with 41 agribusinesses (92 users) and 800+ transactions recorded.
Three ways a bank can work with this
We have put a partnership proposal in front of Ghanaian lenders. The structure is simple:
| Model | How it works | Bank outcome |
|---|---|---|
| 1. Referral and credit-readiness | The bank refers agri-SME applicants to digitise on AgriFAAS before appraisal | Loan files arrive pre-validated; processing time drops |
| 2. Verified data packs | With borrower consent, AgriFAAS delivers a standardised extract of financials, production and transactions | Independent evidence in the file; early-warning monitoring after disbursement |
| 3. Co-developed lending product | AgriFAAS-verified borrowers access a dedicated facility, optionally bundled with weather-index insurance | A new agri-loan product line, with risk priced from data |
A 90-day pilot costs the bank nothing. The bank identifies 10-20 agri-SME borrowers. AgriFAAS digitises and trains them within 30 days, delivers credit-ready data packs within 60 days, and provides a quarterly monitoring extract for each. Borrower subscriptions are quoted directly.
Why we built it this way
Our own pilot farm in the Volta Region grew revenue over two years, then lost 73% of it to the 2024 drought. The farm's records were invisible to finance, so no one could see the risk or the recovery plan. That experience is why AgriFAAS exists, and it is why we now run our own solar-irrigated hub in Tsiame: we use the system we ask others to trust.
A note on honesty
AgriFAAS Connect does not replace a lender's own credit assessment, a statutory audit, or the borrower's responsibility to farm well. It gives all three a clearer picture to work from. Some programmes require audited accounts, and we say so up front.
Sources: GAFSP, Annual Report 2025 announcement (gafspfund.org, September 11, 2026) and Our Impact page. AgriFAAS Connect platform figures as of October 2026.