Every sale a farmer makes can become proof they can borrow.
EaseOnTrack helps smallholder farmers turn everyday sales into a credit history that unlocks fair loans and solar irrigation. It is also a complete accounting system for farms, cooperatives and small businesses.
Farmers grow our food, but lenders cannot see them.
Most smallholder farmers are paid in cash, once a year, with no written record. Without records or collateral, banks and lenders treat them as too risky.
When a drought or price crash hits, families have no savings and no credit to fall back on. They eat less, borrow at high cost, or sell their livestock to survive.
We built EaseOnTrack so that the work farmers already do leaves a record they own, and that record opens the door to fair finance.
How it works
Four steps take a farmer from cash sales to credit they can build on.
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Get paid by phone
Partner buyers pay farmers through EaseOnTrack, straight into the farmer's own mobile money account.
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Build a record
Every sale, and every payment to input suppliers, is recorded automatically. Farmers build a history of income and spending in their own name.
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Earn a credit score
Our scoring engine turns that payment history into a score lenders can use, and that farmers can understand.
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Access loans and solar pumps
Loans go straight to input suppliers, and first loans are insured. Solar pumps come on credit, with a smart controller that pauses power if payments stop, so no one risks land or livestock.
Solar irrigation keeps farms producing through dry spells.
One failed rain no longer has to wipe out a year's income.
Who EaseOnTrack is for
Farmers
A digital account, records of every sale and purchase, mobile money payments, and a credit score that opens access to loans and solar pumps. Most farmers use EaseOnTrack at no cost.
Lenders and insurers
Verified transaction data and a score for farmers you could not assess before. Loans paid directly to input suppliers lower the risk of every loan.
Buyers and processors
Pay farmers quickly and securely, trace produce from farm to buyer, and build a reliable supply base.
Solar and asset providers
Reach farmers, see who can repay, and secure assets with payment-linked controls.
Input suppliers and small businesses
Receive payments directly, and run your full accounts on EaseOnTrack: sales, stock, payroll and reports in one place.
A complete accounting system
Farms, cooperatives, input suppliers and small businesses use EaseOnTrack to run their books every day. The same records that keep a business organised also build the history lenders want to see.
Start your 30-day free trial- Sales and point of saleRecord every sale at the counter or in the field.
- ExpensesTrack what you spend and where your money goes.
- InventoryKnow what is in stock, what has sold and when to restock.
- Financial reportsSee how your business is doing and share reports with lenders.
- BudgetingPlan spending and put money where it is needed.
- PayrollPay staff and keep wage records in one place.
- Loan managementTrack loans, repayments and balances.
- Asset managementTrack equipment and other assets you own.
In the field
We train and onboard farmers through traditional leaders and farmer group chairpersons, the people communities already trust.
Recognition and support
- FAORecognition and financing from the Food and Agriculture Organization of the United Nations
- AGRACatalytic financing under the YEGRO Award
- UNDPNational Innovation Award
- African Development BankYouthAdapt Award
- CGIARContinental Award
- MTN MoMo HackathonThird prize for our mobile money integration
Plans
Business plans for cooperatives, input suppliers and small businesses. Every plan starts with a 30-day free trial.
Access is covered by our partners. Farmers who want full record keeping and business tools can upgrade to a paid plan.
| What you get | BasicK200 / month | StarterK300 / month | StandardK500 / month | PremiumK1,000 / month |
|---|---|---|---|---|
| Users | 3 | 7 | 15 | 50 |
| Business units | 3 | 10 | 20 | 50 |
| Sales, expenses and stock | Yes | Yes | Yes | Yes |
| Financial reports | Yes | Yes | Yes | Yes |
| Budgeting and payroll | No | Yes | Yes | Yes |
| Loan management | No | No | Yes | Yes |
| Professional services | No | No | No | Yes |
Questions
What is EaseOnTrack?
EaseOnTrack is a platform built by Cranitech Ltd. It turns farmers' everyday payments into financial records, then uses those records to connect farmers to fair loans, insurance and solar irrigation. It is also a full accounting system that farms, cooperatives and small businesses use to manage sales, stock, expenses, payroll and reports.
Does EaseOnTrack buy farmers' produce?
No. Partner buyers pay farmers through our platform. We provide the platform that records each payment and builds the farmer's history.
How do farmers get a solar pump on credit?
Farmers with a payment history on EaseOnTrack can take a solar water pump on credit through our partners. The pump is its own security: a smart controller pauses power if payments stop and restores it when they resume.
I am a lender or buyer. How can we work together?
Contact us using the details below. We work with microfinance lenders, insurers, buyers, processors and solar providers who want to reach smallholder farmers.
I cannot sign in to my account. What should I do?
Use the "Forgot password" link on the sign-in page. If that does not work, email support@easeontrack.com.
Work with us
Whether you are a farmer group, lender, buyer or solar provider, we would like to hear from you.
- Call us
- +260 973 016 295
- Email us
- support@easeontrack.com
- Built by
- Cranitech Ltd, Lusaka, Zambia